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Deposit Rates

Discovery more about each ACCOUNT Interest Rates


* Member FDIC * Rates and APY effective and accurate as of March 18, 2020

Deposit Accounts


Account Type Minimum Deposit Interest Rate APY
First Choice Account $50 .05% .05%
SuperNow (SNA)* $2,000 .05% .05%
Money Market (CMA)* $3,000 .10%
.10%
Statement Savings* $25 .10% .10%
Christmas Club* $5 .25% .25%
* 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
.10% .10%
6 month CD* $1,000
.20%
.20%
10 month CD $1,000
.25% .25%
12 month CD* $1,000 .25% .25%
18 month CD* $500
.30% .30%
24 month CD* $500
.35%
.35%
30 month CD* $500
.40% .40%
36 month CD* $500
.45% .45%
60 month CD* $500 .50% .50%
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 .30% .30% 
IRA (Roth-Variable)* $100 
.30% 
.30% 
IRA (Educational-Variable)* $100 
.30% 
.30% 
IRA (Guaranteed-Fixed)* $500 .10% 
.10% 

* 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 
.15% .15%
6 month (26 wk)*
$250,000.01 
.25%
.25%
1 year (52 wk)*
$250,000.01 
.30% .30%
2 year (104 wk)*
$250,000.01 
.40% .40%
3 year (156 wk)* $250,000.01 
.50% .50%




* 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.