Online Banking

Deposit Rates

Explore our great rates and deposit product options!

Reward Checking

It's easy to qualify – see requirements below.

Amount Dividend Rates APY*
$0-$10,000 if requirements are met .30% .30%
Above $10,000 if requirements are met .15% .15%
If requirements are not met - all balances .05% .05%

 

Reward Saver

Amount Dividend Rates APY*
$0-$10,000 if requirements are met in Reward Checking .20% .20%
Above $10,000 if requirements are met .15% .15%
If requirements are not met - all balances .05% .05%

 

Classic Checking Account

(no longer available for new accounts)

Amount Dividend Rates APY*
$0-$499.99 0% n/a
$500 and over .10% .10%

 

Savings Accounts

Amount Dividend Rates APY*
$5.00 to $99.99 0% n/a
$100.00 and over .10% .10%

 

Christmas Club Accounts

Amount Dividend Rates APY*
$5.00 and over .10% .10%

 

Money Market Accounts

Amount Dividend Rates APY*
$2,000 to $49,999.99 .15% .15%
$50,000 and over .15% .15%

 

Individual Retirement Accounts

Dividend Rates APY*
.20% .20%

IRAs can also be invested in Certificates of Deposit at the rates listed below.

 

Certificates of Deposit

($500.00 – $49,999.99) (Effective 02/23/17)

Whether short or long term investment, a CD is a great alternative to a traditional savings account. Login to your account and open one today. 

Learn more here!

Term Dividend Rates APY*
6 Month Certificate .50% .50%
9 Month Certificate .65% .65%
12 Month Certificate .75% .75%
18 Month Certificate 1.00% 1.00%
24 Month Certificate 1.14% 1.15%
36 Month Certificate 1.44% 1.45%
60 Month Certificate 1.88% 1.90%

 

Jumbo Certificates

($50,000 and above) (Effective 02/23/17)

Term Dividend Rates APY*
6 Month Certificate .60% .60%
9 Month Certificate .75% .75%
12 Month Certificate .85% .85%
18 Month Certificate 1.09% 1.10%
24 Month Certificate 1.24% 1.25%
36 Month Certificate 1.54% 1.55%
60 Month Certificate 1.98% 2.00%

To open your CD, visit any branch location or login to Online Banking.

 

Balance Requirements

Balance Requirements Minimum to Open Minimum to Earn Dividends
Savings $5.00 $100.00 (except minor accounts)
Reward Checking $25.00 $0.00
Classic Checking No longer available $500.00
Money Market $2,000.00 $2,000.00
IRA $5.00 $5.00
Certificate of Deposit $500.00 $500.00
Jumbo Certificate of Deposit $50,000.00 $50,000.00

 

Disclosures

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.

* APY=Annual Percentage Yield. All APYs are accurate as of 04/01/2017. Dividends for these accounts are calculated on a daily balance method. All yields are calculated on monthly dividend payments. The advertised Reward Checking APY is based on compounding dividends. The dividends earned in Reward Checking are automatically transferred to Reward Saver each statement cycle and does not compound. The actual dividends paid could be less than the advertised Reward Checking APY. The Reward Saver APYs may be less than the Reward Checking APYs. All rates may change after the account is opened. Fees may reduce earnings. The minimum to open is $25.00 for Reward Checking and $5.00 for Reward Saver. Balances up to $10,000 receive an APY of .30% if qualifications are met each monthly qualification cycle. Balances above $10,000 receive a dividend rate of 0.15% on the portion of the balance above $10,000 if qualifications are met each monthly qualification cycle. As a result, the APY for balances above $10,000 will range from .30% – 0.15% if qualifications are met each monthly qualification cycle, depending on the balance in the account. If qualifications are not met, the APY will be 0.05% on all balances. Qualifying transactions must post to and clear the Reward Checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Transfers between your accounts with us do not count as qualifying transactions. The monthly qualification cycle is the same as your monthly statement cycle. Contact us for more information about the monthly qualification cycle. **Balances up to $10,000 in the Reward Saver account receive a dividend rate of .20% if qualifications in the Reward Checking account are met each monthly qualification cycle. Balances above $10,000 receive an interest rate of 0.15% on the portion of the balance above $10,000 if qualifications in the Reward Checking account are met each monthly qualification cycle. As a result, the APY for balances above $10,000 will range from .20% – 0.15% if qualifications in the Reward Checking account are met each monthly qualification cycle, depending on the balance in the account. If qualifications in the Reward Checking account are not met, the APY will be 0.05% on all balances in the Reward Saver account. One Reward Saver account per member number.

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