Effective as of January 16, 2019

Share rates



Term Share (Certificate) Rates

Account Type Term Rate APY*
$1,000 minimum deposit 6 months 0.65% 0.65%
$1,000 minimum deposit 12 months 0.85% 0.85%
 $1,000 minimum deposit 18 months 1.50% 1.50%
 $2,500 minimum deposit 24 months 1.10% 1.10%
 $2,500 minimum deposit 36 months 1.25% 1.25%

Jumbo Term Share (Certificate) Rates

Account Type Term Rate APY*
$99,000 minimum deposit 6 months 0.70% 0.70%
$99,000 minimum deposit 12 months 0.90% 0.90%
$99,000 minimum deposit 18 months 1.55% 1.55%
$99,000 minimum deposit 24 months 1.15% 1.15%
$99,000 minimum deposit 36 months 1.30% 1.30%

Rates effective as of August 22, 2018. *APY = Annual percentage yield. IRA term share deposits available in 12 and 24-month terms. Rates subject to change at any time without notice. Early withdrawal penalty applies.

Savings Rates

Account Type Rate APY*
Regular Share (Savings) Account 0.15% 0.15%
Smart Savers Kids’ Account** 0.15% 0.15%
Holiday Club Account 0.15% 0.15%
Vacation Club Account 0.15% 0.15%

*APY = Annual percentage yield. **Average daily balances of $25.00 or more paid quarterly on Smart Savers Kids’ Account. Rates subject to change at any time without notice.