Deposit Account Rates

Deposit Account Rates

Deposit Account Rates

Minimum Balances & Annual Percentage Yields

Account Type

Minimum Balance to Obtain APY Dividend Rate

Annual Percentage Yield (APY)

Primary Share Savings

$100

0.05%

0.05%

Christmas Club & Vacation Club

0.05%

0.05%

Secondary Share Savings

0.05%

0.05%

IRA Accumulation Shares

0.05%

0.05%

Youth Primary Savings

$100 – $1,000

3.00%

3.00%

Youth Primary Savings

$1,000+

.05%

.05%

Last declared & paid 3/31/2024
Optimum Checking1 – up to $25,000

2.96%

3.00%

Optimum Checking1 – over $25,000

0.00%

0.00%

Money Market Savings

$2,000 – $50,000

0.10%

0.10%

Money Market Savings

$50,000+

0.15%

0.15%

Money Market MAX $50,000

1.00%

1.00%

Optimum Checking1 – Other qualifications apply to obtain premium rate. Refer to Account Disclosures.

Rates effective 6/1/2024

IRA Certificates are not available in a Dividend Payment CD.
Roth IRAs and Coverdell Education Savings Accounts are also available.

Share Certificates

Term/Month

Minimum Deposit

Dividend Rate

APY

3 Month CD $1,000 0.10% 0.10%
6 Month CD $500 0.75% 0.75%
12 Month Dividend Payment CD $500 1.25% 1.26%
12 Month Youth CD $100 4.91% 5.00%
12 Month CD $500 1.25% 1.26%
18 Month CD $500 1.30% 1.31%
24 Month Dividend Payment CD $500 1.40% 1.41%
24 Month CD $500 1.40% 1.41%
30 Month CD $500 1.45% 1.46%
36 Month CD $500 1.50% 1.51%
48 Month CD $500 1.75% 1.76%
60 Month CD $500 2.00% 2.02%
12 Month IRA $1,000 1.25% 1.26%
18 Month IRA $1,000 1.30% 1.31%
24 Month IRA $1,000 1.40% 1.41%
30 Month IRA $1,000 1.45% 1.46%
36 Month IRA $1,000 1.50% 1.51%
48 Month IRA $1,000 1.75% 1.76%
60 Month IRA $1,000 2.00% 2.02%

Minimum Balances & Annual Percentage Yields

Account Type

Minimum Balance to Obtain APY Dividend Rate

Annual Percentage Yield (APY)

Primary Share Savings

$100

0.05%

0.05%

Christmas Club & Vacation Club

0.05%

0.05%

Secondary Share Savings

0.05%

0.05%

IRA Accumulation Shares

0.05%

0.05%

Youth Primary Savings

$100 – $1,000

3.00%

3.00%

Youth Primary Savings

$1,000+

.05%

.05%

Last declared & paid 3/31/2024
Optimum Checking1 – up to $25,000

2.96%

3.00%

Optimum Checking1 – over $25,000

0.00%

0.00%

Money Market Savings

$2,000 – $50,000

0.10%

0.10%

Money Market Savings

$50,000+

0.15%

0.15%

Money Market MAX $50,000

1.00%

1.00%

Optimum Checking1 – Other qualifications apply to obtain premium rate. Refer to Account Disclosures.

Rates effective 5/1/2024

IRA Certificates are not available in a Dividend Payment CD.
Roth IRAs and Coverdell Education Savings Accounts are also available.

Share Certificates

Term/Month

Minimum Deposit

Dividend Rate

APY

3 Month CD $1,000 0.10% 0.10%
6 Month CD $500 0.75% 0.75%
12 Month Dividend Payment CD $500 1.25% 1.26%
12 Month Youth CD $100 4.91% 5.00%
12 Month CD $500 1.25% 1.26%
18 Month CD $500 1.30% 1.31%
24 Month Dividend Payment CD $500 1.40% 1.41%
24 Month CD $500 1.40% 1.41%
30 Month CD $500 1.45% 1.46%
36 Month CD $500 1.50% 1.51%
48 Month CD $500 1.75% 1.76%
60 Month CD $500 2.00% 2.02%
12 Month IRA $1,000 1.25% 1.26%
18 Month IRA $1,000 1.30% 1.31%
24 Month IRA $1,000 1.40% 1.41%
30 Month IRA $1,000 1.45% 1.46%
36 Month IRA $1,000 1.50% 1.51%
48 Month IRA $1,000 1.75% 1.76%
60 Month IRA $1,000 2.00% 2.02%

Promotional Share Certificates of Deposit**

Term/Month

Minimum Deposit

Dividend Rate

APY

14 Month CD** $500 4.75% 4.84%
20 Month CD** $500 4.25% 4.32%

New money is required for all Promotional Share CDs/IRA CDs listed.

**See full disclosures listed in the link below.

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northwest ohio

Find a location near you

Five locations in Northwest Ohio make it convenient to be a member no matter where you live or work.