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RATES
Savings rates
SAVINGS
Rates
Savings
Effective: April 1, 2025
Dividend Declaration: March 31, 2025
| Account | Min. Balance* | APY** |
|---|---|---|
| Primary Savings | $5 | .05% |
| Christmas Club Savings | $5 | .05% |
| Vacation Club Savings | $5 | .05% |
| Health Savings Account (HSA) | $5 | .01% |
| Individual Retirement Account (Share IRA) | $250 | .05% |
| Business Savings | $1,500 | .05% |
Checking
Effective: April 1, 2025
| Account | Min. Balance* | APY** |
|---|---|---|
| Thrive Checking | $1,500 | 3.00% |
| Greater than $1,500 | 0.01% | |
| Advantage Checking | $500 | .01% |
| Business Checking | $1,500 | .01% |
Money Market
Effective: April 1, 2025
| Account | Min. Balance* | APY** |
|---|---|---|
|
Access Money Market (Consumer and Business) |
$2,500 - $49,999 | 1.00% |
| $50,000 - $99,999 | 1.25% | |
| Greater than $100,000 | 1.50% | |
|
Elevate
Money Market
|
$2,500 - $9,999 | 3.00% |
| $10,000 - $14,999 | 2.50% | |
| $15,000 - $19,999 | 1.50% | |
| Greater than $20,000 | 0.05% |
Traditional Certificates
Effective Date: April 1, 2025
Dividend Declaration Date: March 31, 2025
| Term | Min. Balance* | apy** |
|---|---|---|
| 3 Months | $1,000 | 3.75% |
| 6 Months | $1,000 | 4.05% |
| 12 Months | $1,000 | 4.10% |
| 24 Months | $1,000 | 3.75% |
| 36 Months | $1,000 | 3.75% |
| 48 Months | $1,000 | 3.50% |
| 60 Months | $1,000 | 3.50% |
IRA Certificates
Effective Date: April 1, 2025
Dividend Declaration Date: March 31, 2025
| Term | Min. Balance* | apy** |
|---|---|---|
| 12 Months | $1,000 | 4.10% |
| 24 Months | $1,000 | 3.75% |
| 36 Months | $1,000 | 3.75% |
| 48 Months | $1,000 | 3.50% |
| 60 Months | $1,000 | 3.50% |
*This is the minimum balance required to open an account and the minimum balance to earn the posted Annual Percentage Yield (APY). Dividends are compounded and credited monthly. The Dividend Rates and Annual Percentage Yields (APY) are variable rates and subject to change at any time. Dividends cannot be declared in advance. Federally insured by NCUA.
**APY = Annual Percentage Yield. Rates subject to change. Early withdrawal penalty applies to all certificate offerings. Penalty will reduce earnings.