Deposit Rates
Rates are subject to change at any time. All Rates and APY’s stated as a percentage
The following represents our standard savings and investment rates effective as of 10/01/2025.
Savings
Basic Share Savings Tier 1 = up to $4,999.99 | Tier 2 = $5,000.00+
| Type | Rate | APY* |
|---|---|---|
| Tier 1 | 0.75% | 0.75% |
| Tier 2 | 1.20% | 1.21% |
Youth Savings
Youth Savings Tier 1 = up to $4,999.99 | Tier 2 = $5,000.00+
| Type | Rate | APY* |
|---|---|---|
| Tier 1 | 0.85% | 0.85% |
| Tier 2 | 1.25% | 1.26% |
Holiday Accounts
| Type | Rate | APY* |
|---|---|---|
| Holiday Accounts | 0.75% | 0.75% |
IRA Savings: $1000 Minimum
| Type | Rate | APY* |
|---|---|---|
| IRA Share Savings | 2.25 | 2.27% |
| IRA 36 Month Share Certificate | 3.75% | 3.82% |
Money Market Accounts
Tier 1 = $5,000.00 – $24,999.99 | Tier 2 = $25,000.00 – $49,999.99 | Tier 3 = $50,000.00 – $89,999.99 | Tier 4 = $90,000.00 – $149,999.99 | Tier 5 = $150,000.00 +
| TYPE | RATE | APY* |
|---|---|---|
| Tier 1 | 1.75% | 1.76% |
| Tier 2 | 2.15% | 2.17% |
| Tier 3 | 2.40% | 2.43% |
| Tier 4 | 2.70% | 2.73% |
| Tier 5 | 2.90% | 2.94% |
Certificates
$2,500 Minimum
| TERM | RATE | APY* |
|---|---|---|
| 6 months | 3.65% | 3.71% |
| 12 months | 3.65% | 3.71% |
| 24 months | 3.45% | 3.51% |
| 36 months | 3.30% | 3.35% |
| 48 months | 3.20% | 3.25% |
| 60 months | 3.15% | 3.20% |
Special Certificates
$10,000 Minimum
| TERM | RATE | APY* |
|---|---|---|
| 13 months | 4.00% | 4.07% |
| 18 months | 3.95% | 4.02% |
Jumbo Certificates
$100,000 Minimum
| TERM | RATE | APY* |
|---|---|---|
| 6 months | 4.25% | 4.33% |
| 12 months | 4.05% | 4.13% |
| 24 months | 3.90% | 3.97% |
| 36 months | 3.80% | 3.87% |
| 48 months | 3.70% | 3.76% |
| 60 months | 3.70% | 3.76% |
Premier Certificates
From $60,000.00 to $99,999.99
| TERM | RATE | APY |
|---|---|---|
| 6 months | 4.10% | 4.18% |
| 12 months | 3.95% | 4.02% |
| 24 months | 3.80% | 3.87% |
| 36 months | 3.70% | 3.76% |
| 48 months | 3.60% | 3.66% |
| 60 months | 3.60% | 3.66% |
Youth Certificates
$500 Minimum
| TERM | RATE | APY* |
|---|---|---|
| 6 months | 4.10% | 4.18% |
| 12 months | 4.05% | 4.13% |
| 24 months | 3.90% | 3.97% |
