Deposit Rates
Saving Accounts
Effective Date: Sunday, November 2nd, 2025
| Name | Dividend Rate | APY* | Amount | Minimum Opening Balance |
|---|---|---|---|---|
| Regular Member Share | 1.00% | 1.00% | $25.00 | |
| Kids Club | 5.25% | 5.38% | on the first $500 | $5.00 |
| Kids Club | 0.50% | 0.50% | remaining balance over $500 | 5.00 |
| Teen Club Share | 3.00% | 3.04% | on the first $1,000 | 5.00 |
| Club Share | 1.00% | 1.00% | $1.00 | |
| Christmas Club | 1.00% | 1.00% | $1.00 |
Checking Accounts
| Name | Dividend Rate | APY* | Amount | Minimum Opening Balance |
|---|---|---|---|---|
| Regular Share Draft | 0.00% | 0.00% | 25.00 | |
| Teen Club Share Draft | 3.00% | 3.041% | on the first $1,000 | 5.00 |
| Teen Club Share Draft | 1.00% | 1.00% | remaining balance over $1,001 | 5.00 |
Certificates of Deposit
| Term | Dividend Rate | APY* | Minimum Opening Balance |
|---|---|---|---|
| 3 Months | 1.00% | 1.01% | $500 Adult / $100 Youth |
| 6 Months | 1.25% | 1.26% | $500 Adult / $100 Youth |
| 12 Months | 2.85% | 2.89% | $500 Adult / $100 Youth |
| 18 Months | 3.00% | 3.04% | $500 Adult / $100 Youth |
| 24 Months | 3.15% | 3.20% | $500 Adult / $100 Youth |
| 36 Months | 3.20% | 3.25% | $500 Adult / $100 Youth |
| 48 Month | 3.30% | 3.35% | $500 Adult / $100 Youth |
| 60 Months | 3.50% | 3.56% | $500 Adult / $100 Youth |
IRA Account (Traditional, ROTH & SEP)
| Name | Dividend Rate | APY* | Minimum Opening Balance |
|---|---|---|---|
| Traditional/Roth/SEP | 4.00% | 4.00% | $100.00 |