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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 .45% .45%
SuperNow (SNA)* $2,000 .35% .35%
Money Market (CMA)* $3,000 .55% .55%
Statement Savings* $25 .35% .35%
Christmas Club* $5 2.00% 2.02%
* 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
1.00% 1.00%
6 month CD* $1,000
1.25% 1.26%
10 month CD $1,000
1.50% 1.51%
12 month CD* $1,000 1.75% 1.76%
18 month CD* $500
2.00% 2.02%
24 month CD* $500
2.05%
2.07%
30 month CD* $500
2.15% 2.17%
36 month CD* $500
2.25% 2.27%
60 month CD* $500 2.50% 2.52%
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 2.00% 2.02% 
IRA (Roth-Variable)* $100 
2.00% 
2.02% 
IRA (Educational-Variable)* $100 
2.00% 
2.02% 
IRA (Guaranteed-Fixed)* $500 1.00% 
1.00% 

* 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 
1.10% 1.11%
6 month (26 wk)*
$250,000.01 
1.35% 1.36%
1 year (52 wk)*
$250,000.01 
1.85% 1.86%
2 year (104 wk)*
$250,000.01 
2.15% 2.17%
3 year (156 wk)* $250,000.01 
2.35% 2.37%
* 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.