Share Certificates
| Product/Term | Dividend Rate ($1,000 min) | APY | Dividend Rate ($100,000 min) | APY |
|---|---|---|---|---|
| 3 month | 0.20% | 0.20% | 0.25% | 0.25% |
| 6 month | 0.25% | 0.25% | 0.30% | 0.30% |
| 3 year medex | 0.95% | 0.95% | ||
| Freedom 18 month (Only certificate that allows regular deposits) | 0.65% ($500 min) | 0.65% ($500 min) | ||
| Dividend Rate ($500 min) | APY | Dividend Rate ($100,000 min) | APY | |
| 12 month | 0.50% | 0.50% | 0.55% | 0.55% |
| 18 month | 0.75% | 0.75% | 0.75% | 0.75% |
| 24 month | 0.80% | 0.80% | 0.85% | 0.85% |
| 30 month | 0.85% | 0.85% | 0.90% | 0.90% |
| 3 year | 1.09% | 1.10% | 1.14% | 1.15% |
| 4 year | 1.49% | 1.50% | 1.54% | 1.55% |
| 5 year | 2.03% | 2.05% | 2.08% | 2.10% |
Investors Certificates
| Term | Dividend Rate ($5,000 min) | APY |
|---|---|---|
| 3 month | 0.25% | 0.25% |
| 4 month | 0.25% | 0.25% |
| 6 month | 0.30% | 0.30% |
| 7 month | 0.30% | 0.30% |
| 7 month w/checking* | 0.75% | 0.75% |
| 10 month | 0.50% | 0.50% |
| 12 month | 0.50% | 0.50% |
| 13 month | 0.55% | 0.55% |
| 13 month (Web Only)* | 0.70% | 0.70% |
| Dividend Rate ($25,000 min) | APY | |
| 7 day | 0.20% | 0.20% |
Raise Your Rate Certificate***
| Term | Dividend Rate ($5,000 min) | APY |
|---|---|---|
| 36 month* | 0.90% | 0.90% |
| 60 month* | 1.64% | 1.65% |
IRA Certificates
| Product/Term | Dividend Rate ($500 min) | APY |
|---|---|---|
| 12 month | 0.55% | 0.55% |
| 18 month | 0.75% | 0.75% |
| 2 year | 0.80% | 0.80% |
| 3 year | 1.09% | 1.10% |
| 4 year | 1.49% | 1.50% |
| 5 year | 2.03% | 2.05% |
| IRA Subshare ($1,000 min) | 0.12% | 0.12% |
Money Market IRA
Only IRA that allows regular deposits
| Term | Dividend Rate ($500 Minimum) | APY |
|---|---|---|
| 18 month | 0.65% | 0.65% |
Raise Your Rate IRA Certificate***
| Term | Dividend Rate ($5,000 min) | APY |
|---|---|---|
| 36 month* | 0.90% | 0.90% |
| 60 month* | 1.64% | 1.65% |
Account Rates
| Account | Dividend Rate | APY |
|---|---|---|
| Regular Shares | 0.12% | 0.12% |
| Advantage Checking ($1,000 min) | 0.10% | 0.10% |
| Christmas Club | 0.12% | 0.12% |
| Special Shares | 0.12% | 0.12% |
| Vacation Shares | 0.12% | 0.12% |
Classic Plus Shares & Money Market Savings
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $0 - $999 | 0.12% | 0.12% |
| $1,000 - $4,999 | 0.20% | 0.20% |
| $5,000 - $14,999 | 0.25% | 0.25% |
| $15,000 - $24,999 | 0.30% | 0.30% |
| $25,000 - $49,999 | 0.30% | 0.30% |
| $50,000 + | 0.40% | 0.40% |
Investors Money Market Savings
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $0 - $9,999 | 0.05% | 0.05% |
| $10,000 - $24,999 | 0.12% | 0.12% |
| $25,000 - $49,999 | 0.45% | 0.45% |
| $50,000 - $99,999 | 0.55% | 0.55% |
| $100,000 - $249,999 | 0.65% | 0.65% |
| $250,000 + | 0.65% | 0.65% |
High Interest Checking**
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $0 - $1,000 | 4.00% | 4.00% |
| $1,000.01 - $5,000 | 2.00% | 2.00% |
| $5,000.01 + | 0.20% | 0.20% |
Premium Money Market Checking
| Product/term | Dividend Rate | APY |
|---|---|---|
| $1,000 - $9,999 | 0.10% | 0.10% |
| $10,000 - $24,999 | 0.12% | 0.12% |
| $25,000 - $49,999 | 0.20% | 0.20% |
| $50,000 + | 0.35% | 0.35% |
HSA Tiered Checking
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $0 - $499 | 0.00% | 0.00% |
| $500 - $999 | 0.05% | 0.05% |
| $1,000 - $4,999 | 0.10% | 0.10% |
| $5,000 - $14,999 | 0.15% | 0.15% |
| $15,000+ | 0.30% | 0.30% |
HSA Money Market Savings
| Product/Term | Dividend Rate | APY |
|---|---|---|
| $2,500 - $4,999 | 0.12% | 0.12% |
| $5,000 - $9,999 | 0.15% | 0.15% |
| $10,000 - $24,999 | 0.20% | 0.20% |
| $25,000 - $49,999 | 0.45% | 0.45% |
| $50,000 + | 0.55% | 0.55% |
Rates effective as of September 29, 2016.
Early withdrawal penalties may apply and could reduce earnings.
* Denotes Rate Specials
** Must meet qualifiers to receive special rate. If qualifiers are not met, member will earn 0.10%.
*** Can increase rate once for 36-month or twice for 60-month.