Deposit Rates

Discover more about ACCOUNT Interest Rates

* Member FDIC * Rates and APY effective and accurate as of September 25, 2024

Deposit Accounts

Account Type	Minimum Deposit	Interest Rate	APY
High-Yield Savings	$3,000	1.75%	1.76%
Savings*	$25	.50%	.50%
Christmas Club*	$5	3.75%	3.80%

* 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	3.50%	3.55%
6 month CD*	$1,000	3.55%	3.60%
10 month CD	$1,000	3.45%	3.49%
12 month CD*	$1,000	3.60%	3.65%
18 month CD*	$500	3.65%	3.70%
24 month CD*	$500	3.70%	3.75%
30 month CD*	$500	3.75%	3.80%
36 month CD*	$500	3.80%	3.85%

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	3.65%	3.70%
IRA (Roth-Variable)*	$100	3.65%	3.70%
IRA (Educational-Variable)*	$100	3.65%	3.70%
IRA (Guaranteed-Fixed)*	$500	3.55%	3.60%

* 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	3.60%	3.65%
6 month (26 wk)*	$250,000.01	3.65%	3.70%
1 year (52 wk)*	$250,000.01	3.70%	3.75%
2 year (104 wk)*	$250,000.01	3.80%	3.85%
3 year (156 wk)*	$250,000.01	3.75%	3.80%

* 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.