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Deposit Rates

Discovery more about each ACCOUNT Interest Rates


* Member FDIC * Rates and APY effective and accurate as of January 23, 2019

Deposit Accounts


Account Type Minimum Deposit Interest Rate APY
First Choice Account $50 .40% .40%
SuperNow (SNA)* $2,000 .15% .15%
Money Market (CMA)* $3,000 .40%
.40%
Statement Savings* $25 .35% .35%
Christmas Club* $5 1.50% 1.51%
* Penalty for early withdrawal may be imposed.
* APY means Annual Percentage Yield
* Fees may reduce earnings
* Rates are variable and may change after account is opened

Certificate of Deposit


Account Type Minimum Deposit Interest Rate APY
3 month CD $1,000
.75% .75%
6 month CD* $1,000
1.00% 1.00%
10 month CD $1,000
1.50% 1.51%
12 month CD* $1,000 1.25% 1.26%
18 month CD* $500
1.30% 1.31%
24 month CD* $500
1.35%
1.36%
30 month CD* $500
1.40% 1.41%
36 month CD* $500
1.45% 1.46%
60 month CD* $500 1.50% 1.51%
See Officer $250,000.01 --
--
* Interest may be compounded quarterly
* Monthly check only if over $50.00
* APY means Annual Percentage Yield
* No monthly compounding on any CD
* A penalty will or may be imposed for early withdrawal.

Retirement Accounts


Account Type Minimum Deposit Interest Rate APY
IRA (Traditional-Variable)* $100 1.30% 1.31% 
IRA (Roth-Variable)* $100 
1.30% 
1.31% 
IRA (Educational-Variable)* $100 
1.30% 
1.31% 
IRA (Guaranteed-Fixed)* $500 .75% 
.75% 

* Interest compounded monthly
* APY means Annual Percentage Yield
* A penalty will or may be imposed for early withdrawal.
* Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.

CDARS


Account Type Minimum Deposit Interest Rate APY
3 month (13 wk)*
$250,000.01 
.85% .85%
6 month (26 wk)*
$250,000.01 
1.10%
1.11%
1 year (52 wk)*
$250,000.01 
1.35% 1.36%
2 year (104 wk)*
$250,000.01 
1.45% 1.46%
3 year (156 wk)* $250,000.01 
1.55% 1.56%




* APY means Annual Percentage Yield.
* Fees could reduce earnings on an account.
* A penalty will or may be imposed for early withdrawal.
* Deposit Account and Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.