
View Current Rates
Effective Date:Savings
Saving Account Options
Account Type
|
Required Opening Deposit
|
Minimum Daily Balance to Avoid Fee | Minimum Daily Balance to Earn APY |
Dividend Rate / APY*
|
---|---|---|---|---|
Share Savings | $5 | $0 | $0 | 0.10% / 0.10% |
Sub-Share Savings | $0 | $0 | $0 | 0.10% / 0.10% |
Property Tax Savings | $0 | $0 | $0 | 0.10% / 0.10% |
Empowering Kids Savings** | $5 | $0 | $0 | 3.00% / 3.04% |
Empowering Teens Savings** | $5 | $0 | $0 | 3.00% / 3.04% |
Health Savings | $0 | $0 | $0 | 1.50% / 1.51% |
*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open a Regular Savings, Empowering Kids Savings or Empowering Teens Savings is $5 (one share). **3.04% APY/3.00% dividend rate is applicable to balances up to $1,000.00 on Empowering series savings accounts only, offer does not apply to checking accounts. Balances over $1,000.00 will earn the regular share rates, currently 0.10% APY/0.10% dividend rate.
Checking
Checking Account Options
Account Type
|
Required Opening Deposit
|
Minimum Daily Balance to Avoid Fee | Minimum Daily Balance to Earn APY |
Dividend Rate / APY*
|
---|---|---|---|---|
Easy Does It Checking | $0 | $0 | $0 | 0.00% / 0.00% |
Checking Plus** | $0 | $200 OR Direct Deposit | $500 | 0.10% / 0.10% |
*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. **Checking Plus Accounts require either Direct Deposit or $200 to open and minimum daily balance to avoid $5.00 monthly fee; $500 required to obtain APY.
Investments
Money Market Accounts
Minimum Deposit
|
Dividend Rate without Checking
|
APY without Checking
|
Dividend Rate with Checking
|
APY with Checking
|
---|---|---|---|---|
$2,500 | 0.50% | 0.50% | 0.60% | 0.60% |
$15,000 | 1.00% | 1.01% | 1.10% | 1.11% |
$75,000 | 1.98% | 2.00% | 2.08% | 2.10% |
$250,000 | 2.96% | 3.00% | 3.06% | 3.10% |
*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. Money Market Accounts falling below $2,500 receive the 0.10% regular savings dividend rate/APY.
Term Share Certificates
Minimum Deposit
|
Certificate Term
|
Dividend Rate
|
APY*
|
---|---|---|---|
$500 | 90 Day | 1.00 | 1.01% |
$500 | 6 Month | 1.75% | 1.76% |
$2,000** | 9 Month | 4.13% | 4.20% |
$500 | 12 Month | 2.50% | 2.52% |
$500 | 18 Month | 2.50% | 2.52% |
$500 | 24 Month | 2.50% | 2.52% |
$500 | 30 Month | 2.50% | 2.52% |
$500 | 36 Month | 2.50% | 2.52% |
$500 | 48 Month | 2.50% | 2.52% |
$500 | 60 Month | 2.50% | 2.52% |
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and API are subject to change without notice. Minimum deposit/balance of $500 to open/earn APY. **Minimum deposit/balance of $2000 to open/earn APY.
Individual Retirement Accounts (IRA) Savings
Minimum Deposit
|
Dividend Rate
|
APY*
|
---|---|---|
$0 | 0.75% | 0.75% |
Individual Retirement Accounts (IRA) Share Certificates
Minimum Deposit
|
Certificate Term
|
Dividend Rate
|
APY*
|
---|---|---|---|
$500 | 90 Day | 1.00% | 1.01% |
$500 | 6 Month | 1.75% | 1.76% |
$2,000** | 9 Month | 4.13% | 4.20% |
$500 | 12 Month | 2.50% | 2.52% |
$500 | 18 Month | 2.50% | 2.52% |
$500 | 24 Month | 2.50% | 2.52% |
$500 | 30 Month | 2.50% | 2.52% |
$500 | 36 Month | 2.50% | 2.52% |
$500 | 48 Month | 2.50% | 2.52% |
$500 | 60 Month | 2.50% | 2.52% |
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and API are subject to change without notice. Minimum deposit/balance of $500 to open/earn APY. **Minimum deposit/balance of $2000 to open/earn APY.
Ultimate Individual Retirement Accounts (IRA)
Minimum Deposit
|
Dividend Rate without Checking
|
APY without Checking
|
Dividend Rate with Checking
|
APY with Checking
|
---|---|---|---|---|
$0 | 0.75% | 0.75% | 1.00% | 1.01% |
$15,000 | 1.75% | 1.76% | 2.00% | 2.02% |
$100,000 | 2.75% | 2.79% | 3.00% | 3.04% |
$500,000 | 3.50% | 3.56% | 3.75% | 3.82% |
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and APY are subject to change without notice.