Savings Rates

*APY is annual percentage yield. Rates quoted are in effect 3/1/2019 and are subject to change. If interest is paid to another account, APY may vary. Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.
Automatic Savings Account – Minimum automatic deposit of $10 per month is required. Lump sum deposits of $500 or more are allowed at anytime. Refer to the fee schedule for account details.
+Anticipated dividend (interest)

Basic Savings Accounts Dividend APY*
Primary Share Savings ($5 min. to open) 0.05% 0.05%
Business Savings ($5 min. to open) 0.05% 0.05%
Bean Sprout ($5 min. to open) 0.05% 0.05%
iSave Savings ($5 min. to open) 0.05% 0.05%
Secondary Savings Accounts ($5 min. to open) 0.05% 0.05%
Holiday Savings+ ($5 min. to open) 0.05% 0.05%
Automatic Savings ($10 min. to open) 0.15% 0.15%

*APY is annual percentage yield. Rates quoted are in effect 3/1/2019 and are subject to change. If interest is paid to another account, APY may vary.
Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.

IRA and Coverdell Savings ($50 to open) Dividend APY*
$0.01 – $2,499.99 0.05% 0.05%
$2,500 – $9,999.99 0.05% 0.05%
$10,000 + 0.05% 0.05%

*APY is annual percentage yield. Rates quoted are in effect 3/1/2019 and are subject to change. If interest is paid to another account, APY may vary.
Minimum $2,500 to open
+Balances under $2,500 will incur a fee. Refer to fee schedule.
Dividends are compounded and paid monthly.
Dividends calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will accrue on the business day your deposits are posted to your account.
Six (6) withdrawals and or transfers are free per month without incurring a fee. Additional withdrawals will incur a fee per the current fee schedule.

MoneyMaker/Business Money Maker Dividend APY*
Up to $2,499.99+ 0.10% 0.10%
$2,500 – $9,999.99 0.10% 0.10%
$10,000 – $24,999.99 0.20% 0.20%
$25,000 – $49,999.99 0.20% 0.20%
$50,000 – $74,999.99 0.30% 0.30%
$75,000 – $99,999.99 0.30% 0.30%
$100,000 + 0.40% 0.40%

*APY is annual percentage yield. Rates quoted are in effect 3/1/2019 and are subject to change. Any early withdrawal penalty may reduce earnings on certificates.

Compounding Frequency. For all term share certificates offered, the dividends will be compounded and credited to your account every quarter and at maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly and at maturity rather than credited to this account.

Daily Balance Computation Method. Dividends are calculated by the daily balance method, which applies a daily periodic rate to your balance each day.

Withdrawal of Dividends Prior to Maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal may reduce earnings.

Marketwatcher option allows you to increase your rate during the term one time to the current rate by notifying us and adding $1,000 to your certificate or $100 to your youth certificate. Your maturity date will remain the same and you will earn the higher rate for the remaining certificate term.

You will have a grace period of ten calendar days after maturity to withdrawal the fund without being charged an early withdrawal penalty.

Certificate of Deposits (IRA & Coverdell) Dividend Rate APY*
6 Months
$100 minimum for Bean Sprout, iSave, Coverdell 0.40% 0.40%
$1,000 minimum 0.40% 0.40%
$10,000 minimum 0.50% 0.50%
12 Months
$100 minimum for Bean Sprout, iSave, Coverdell 0.50% 0.50%
$1,000 minimum 0.50% 0.50%
$10,000 minimum 0.75% 0.75%
18 Months
$100 minimum for Bean Sprout, iSave, Coverdell 0.75% 0.75%
$1,000 minimum 0.75% 0.75%
$10,000 minimum 1.00% 1.00%
24 Months
$100 minimum for Bean Sprout, iSave, Coverdell 1.00% 1.00%
$1,000 minimum 1.00% 1.00%
$10,000 minimum 1.24% 1.24%
36 Months
$100 minimum for Bean Sprout, iSave, Coverdell 1.49% 1.50%
$1,000 minimum 1.49% 1.50%
$10,000 minimum 1.74% 1.75%
48 Months
$100 minimum for Bean Sprout, iSave, Coverdell 1.74% 1.75%
$1,000 minimum 1.74% 1.75%
$10,000 minimum 1.99% 2.00%
60 Months
$100 minimum for Bean Sprout, iSave, Coverdell 2.23% 2.25%
$1,000 minimum 2.23% 2.25%
$10,000 minimum 2.48% 2.50%