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Consumer Deposit Rates

Consumer Deposit Rates

As of February 18, 2020
Amount Dividend Rates APY*
$5 to $99.99 .0% N/A
$100.00 and over .20% .20%
Type Dividend Rates APY*
Cash Back Checking1 N/A N/A
Basic Checking N/A
N/A
Opportunity Checking N/A
N/A
Student Checking2
N/A
N/A
Classic Checking (no longer offered)
.05%
.05%
Amount Dividend Rates APY*
$5 and over .20% .20%
Amount Dividend Rates APY*
$2,000 to $9,999.99 .40% .40%
$10,000 to $49,999.99 .50% .50%
$50,000 and over .60% .60%
Dividend Rate APY*
.25% .25%
 
IRAs can also be invested in Certificates of Deposit at the rates listed below.
($500.00 – $49,999.99)
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. 
 
Term Dividend Rates APY*
3 Month Certificate .50% .51%
6 Month Certificate 1.00% 1.01%
9 Month Certificate 1.05% 1.06%
12 Month Certificate 1.35% 1.36%
18 Month Certificate 1.45% 1.46%
20 Month Certificate – Limited Time Promotional Rate3
View Promotional CD Disclosures and Fees (PDF)
1.75% 1.76%
24 Month Certificate 1.20% 1.21%
36 Month Certificate 1.40% 1.42%
48 Month Certificate 1.75% 1.76%
60 Month Certificate 2.10% 2.12%
($50,000 and above)
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. 
 
Term Dividend Rates APY*
3 Month Certificate .60% .60%
6 Month Certificate 1.10% 1.11%
9 Month Certificate 1.15% 1.16%
12 Month Certificate 1.45% 1.46%
18 Month Certificate 1.55% 1.56%
24 Month Certificate 1.30% 1.31%
36 Month Certificate 1.50% 1.51%
48 Month Certificate 1.85% 1.87%
60 Month Certificate 2.20% 2.22%
 
 
 

Balance Requirements

 
Balance Requirements Minimum to Open Minimum to Earn Dividends
Savings $5 $100 (except minor accounts)
Money Market $2,000 $2,000
IRA $5 $5
Certificate of Deposit $500 $500
Jumbo Certificate of Deposit $50,000 $50,000

Disclosures

*APY = Annual Percentage Yield

(1) Cash Back Checking Accounts must receive eStatements each month.

(2) In order to qualify for a Student Checking account you must: (1) be between the ages of 15 and 22; (2) you must have a valid student ID; and (3) if under 18, have a qualified adult joint owner.

(3) Limited time promotional rate CD is only eligible for deposits between ($500.00 – $49,999.99). There is no prior relationship requirement for members to apply for this CD account. Term for limited time promotional CD rate is 20 months, and at maturity automatically renews to a new 12 month term, at a new rate. 

View complete list of deposit disclosures and Fee Schedule.

Rates are subject to change at any time without notice. Fees may reduce earnings. On certificates of deposit a penalty may be imposed for early withdrawal.