RATES

Savings rates

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Savings Rates

Effective: March 1, 2024
Dividend Declaration: February 29, 2024

Account Min. Balance* Dividend Rate APY**
Primary Savings $25 .05% .05%
Christmas Club Savings $25 .05% .05%
Vacation Club Savings $25 .05% .05%
Health Savings Account (HSA) $25 .01% .01%
Individual Retirement Account (Share IRA) $250 .05% .05%
Business Savings $1,500 .05% .05%
Advantage Checking $500 .01% .01%
Business Checking $1,500 .01% .01%
Money Market Access $2,500 - $49,999 .99% 1.00%
Money Market Access $50,000 - $99,999 1.24% 1.25% 
Money Market Access Greater than $100,000 1.49% 1.50%
NEW! Elevate Money Market $2,500 - $9,999 2.96% 3.00%
NEW! Elevate Money Market $10,000 - $14,999 2.47% 2.50%
NEW! Elevate Money Market $15,000 - $19,999 1.49% 1.50%
NEW! Elevate Money Market Greater than $20,000 0.05% 0.05%

Traditional Certificates

Effective Date: March 1, 2024
Dividend Declaration Date: February 29, 2024

Term Min. Balance $1k+ Min. Balance $5k+ Min. Balance $10k+ Min. Balance $25k+ Min. Balance $100k+
  Dividend Rate APY** Dividend Rate APY** Dividend Rate APY** Dividend Rate APY** Dividend Rate APY**
3 Months 4.89% 5.00% 4.89% 5.00% 4.89% 5.00% 4.89% 5.00% 4.89% 5.00%
6 Months 4.65% 4.75% 4.65% 4.75% 4.65% 4.75% 4.65% 4.75% 4.65% 4.75%
1 Year 4.41% 4.50% 4.41% 4.50% 4.41% 4.50% 4.41% 4.50% 4.41% 4.50%
2 Years 0.30% 0.30% 0.30% 0.30% 0.35% 0.35% 0.35% 0.35% 0.40% 0.40%
3 Years 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.40% 0.40% 0.45% 0.45%
4 Years 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.50% 0.50% 0.55% 0.55%
5 Years 0.55% 0.55% 0.55% 0.55% 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%

IRA Certificates

Effective Date: March 1, 2024
Dividend Declaration Date: February 29, 2024

Term Min. Balance $1k+ Min. Balance $5k+ Min. Balance $10k+ Min. Balance $25k+ Min. Balance $100k+
  Dividend Rate APY** Dividend Rate APY** Dividend Rate APY** Dividend Rate APY** Dividend Rate APY**
1 Year 4.41% 4.50% 4.41% 4.50% 4.41% 4.50% 4.41% 4.50% 4.41% 4.50%
2 Years 0.30% 0.30% 0.30% 0.30% 0.35% 0.35% 0.35% 0.35% 0.40% 0.40%
3 Years 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.40% 0.40% 0.45% 0.45%
4 Years 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.50% 0.50% 0.55% 0.55%
5 Years 0.55% 0.55% 0.55% 0.55% 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%

*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 daily 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.