Share Certificates
| Product/Term | Dividend Rate ($1,000 min) | APY | Dividend Rate ($100,000 min) | APY |
|---|---|---|---|---|
| 3 month | 0.25% | 0.25% | 0.30% | 0.30% |
| 6 month | 0.85% | 0.85% | 0.90% | 0.90% |
| 3 year medex | 1.24% | 1.25% | ||
| Freedom 18 month (Only certificate that allows regular deposits) | 1.01% ($500 min) | 1.01% ($500 min) | ||
| Dividend Rate ($500 min) | APY | Dividend Rate ($100,000 min) | APY | |
| 12 month | 1.24% | 1.25% | 1.29% | 1.30% |
| 18 month | 1.29% | 1.30% | 1.34% | 1.35% |
| 19 month¹ | 2.37% | 2.40% | 2.47% | 2.50% |
| 24 month | 1.34% | 1.35% | 1.39% | 1.40% |
| 30 month | 1.39% | 1.40% | 1.44% | 1.45% |
| 3 year | 1.54% | 1.55% | 1.59% | 1.60% |
| 47 month¹ | 2.76% | 2.80% | 2.86% | 2.90% |
| 4 year | 1.98% | 2.00% | 2.03% | 2.05% |
| 5 year | 2.33% | 2.36% | 2.37% | 2.40% |
Investors Certificates
| Term | Dividend Rate ($5,000 min) | APY |
|---|---|---|
| 3 month | 0.25% | 0.25% |
| 4 month | 0.50% | 0.50% |
| 6 month | 0.85% | 0.85% |
| 8 month w/checking* | 1.98% | 2.00% |
| 10 month | 0.95% | 0.95% |
| 12 month | 1.24% | 1.25% |
| 13 month | 1.29% | 1.30% |
| 13 month (Web Only) | 0.75% | 0.75% |
| Dividend Rate ($25,000 min) | APY | |
| 7 day | 0.25% | 0.25% |
Raise Your Rate Certificate²
| Term | Dividend Rate ($5,000 min) | APY |
|---|---|---|
| 36 month* | 1.24% | 1.25% |
| 60 month* | 1.98% | 2.00% |
IRA Certificates
| Product/Term | Dividend Rate ($500 min) | APY |
|---|---|---|
| 12 month | 1.24% | 1.25% |
| 18 month | 1.29% | 1.30% |
| 2 year | 2.23% | 2.25% |
| 3 year | 1.54% | 1.55% |
| 4 year | 1.98% | 2.00% |
| 5 year | 2.33% | 2.36% |
| IRA Subshare ($1,000 min) | 0.20% | 0.20% |
Money Market IRA
Only IRA that allows regular deposits
| Term | Dividend Rate ($500 Minimum) | APY |
|---|---|---|
| 18 month | 1.01% | 1.01% |
Raise Your Rate IRA Certificate²
| Term | Dividend Rate ($5,000 min) | APY |
|---|---|---|
| 36 month* | 1.24% | 1.25% |
| 60 month* | 1.98% | 2.00% |
Account Rates
| Account | Dividend Rate | APY |
|---|---|---|
| Regular Shares | 0.20% | 0.20% |
| Advantage Checking ($1,000 min) | 0.15% | 0.15% |
| Christmas Club | 0.20% | 0.20% |
| Special Shares | 0.20% | 0.20% |
| Vacation Shares | 0.20% | 0.20% |
Classic Plus Shares & Money Market Savings
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $0 - $999 | 0.30% | 0.30% |
| $1,000 - $4,999 | 0.40% | 0.40% |
| $5,000 - $14,999 | 0.50% | 0.50% |
| $15,000 - $24,999 | 0.70% | 0.70% |
| $25,000 - $49,999 | 0.90% | 0.90% |
| $50,000 + | 1.01% | 1.01% |
Investors Money Market Savings
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $0 - $9,999 | 0.25% | 0.25% |
| $10,000 - $24,999 | 0.50% | 0.50% |
| $25,000 - $49,999 | 0.75% | 0.75% |
| $50,000 - $99,999 | 1.01% | 1.01% |
| $100,00 - $249,999 | 1.49% | 1.50% |
| $250,000 + | 1.84% | 1.86% |
High Interest Checking³
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $0 - $1,000 | 4.00% | 4.07% |
| $1,000.01 - $5,000 | 2.00% | 2.02% |
| $5,000.01 + | 0.25% | 0.25% |
Premium Money Market Checking
| Product/term | Dividend Rate | APY |
|---|---|---|
| $1,000 - $9,999 | 0.15% | 0.15% |
| $10,000 - $24,999 | 0.20% | 0.20% |
| $25,000 - $49,999 | 0.25% | 0.25% |
| $50,000 + | 0.50% | 0.50% |
HSA Tiered Checking
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $0 - $499 | 0.00% | 0.00% |
| $500 - $999 | 0.10% | 0.10% |
| $1,000 - $4,999 | 0.15% | 0.15% |
| $5,000 - $14,999 | 0.25% | 0.25% |
| $15,000+ | 0.30% | 0.30% |
HSA Money Market Savings
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $2,500 - $4,999 | 0.15% | 0.15% |
| $5,000 - $9,999 | 0.20% | 0.20% |
| $10,000 - $24,999 | 0.25% | 0.25% |
| $25,000 - $49,999 | 0.50% | 0.50% |
| $50,000 + | 0.60% | 0.60% |
Rates effective as of January 17, 2019.
APY = Annual Percentage Yield. Early withdrawal penalties may apply and could reduce earnings.
* Rate Specials
¹ $500 minimum deposit is required to open advertised certificates. Minimum $100,000 in single certificate is required to earn higher advertised rates. Early withdrawal penalties and fees may apply and could reduce earnings on deposit accounts. Offer available beginning January 10, 2019. This is a limited time offer and is subject to change at any time without notice. If you allow the 19 month special certificate to automatically renew at maturity, it will renew to a 18 month term. If you allow the 47 month certificate to automatically renew at maturity it will renew to a 4 year term. Special quotes must be obtained for deposits of more than $1,000,000 and may differ from posted rates.
² During the original certificate term of your Raise Your Rate (RYR) Certificate, you may increase your dividend rate once on a 36-month certificate, and twice on a 60-month certificate to the then-current rate of a standard (non-special or non-promotional) certificate with a fixed rate and term that is equal to or the closest term less than the remaining term of your RYR Certificate. The rate increase will become effective on the date of the rate change. If you allow this certificate to automatically renew at maturity, it will renew into a standard certificate with a fixed rate and fixed term equal to the original term of the RYR Certificate at the then-current standard certificate rate.
³ Must meet qualifiers to receive special rate. If qualifiers are not met, member will earn 0.10%.