Effective as of May 1, 2016
| Account Type | Rate | APY* |
| Regular Share (Savings) Account | 0.10% | 0.10% |
| Smart Savers Kids’ Account** | 0.10% | 0.10% |
| Holiday Club Account | 0.10% | 0.10% |
| Vacation Club Account | 0.10% | 0.10% |
*APY = Annual percentage yield. **Average daily balances of $5.00 or more paid quarterly on Smart Savers Kids’ Account. Rates subject to change at anytime without notice.
| Account Type | Term | Rate | APY* |
| Regular Share (Savings) Account | 6 months | 0.25% | 0.25% |
| $1,000 minimum deposit | 12 months | 0.35% | 0.35% |
| 18 months | 0.40% | 0.40% | |
| 24 months | 0.50% | 0.50% | |
| 36 months | 0.80% | 0.80% | |
| Jumbo Term Share Deposits | 6 months | 0.30% | 0.30% |
| $99,000 minimum deposit | 12 months | 0.40% | 0.40% |
| 18 months | 0.45% | 0.45% | |
| 24 months | 0.55% | 0.55% | |
| 36 months | 0.85% | 0.85% |
Rates effective as of January 1, 2016. *APY = Annual percentage yield. IRA term share deposits available in 12 and 24 month terms. Rates subject to change at any time without notice. Easy withdrawal penalty applies.