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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%
Last declared & paid 6/30/2022
Optimum Checking1 – up to $25,000 0.65% 0.65%
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 0.20% 0.20%
Optimum Checking1 – Other qualifications apply to obtain premium rate. Refer to Account Disclosures.

 

 

Share Certificates

Term/Month

Minimum Deposit

Dividend Rate

APY

3 Month CD $1,000 0.10% 0.10%
6 Month CD $500 0.15% 0.15%
12 Month Dividend Payment CD $500 0.20% 0.20%
12 Month Youth/Student CD (ages 0-22) $250 0.20% 0.20%
12 Month CD $500 0.20% 0.20%
18 Month CD $500 0.25% 0.25%
24 Month Dividend Payment CD $500 0.30% 0.30%
24 Month CD $500 0.30% 0.30%
30 Month CD $500 0.35% 0.35%
36 Month CD $500 0.40% 0.40%
48 Month CD $500 0.45% 0.45%
60 Month CD $500 0.55% 0.55%
12 Month IRA $1,000 0.20% 0.20%
18 Month IRA $1,000 0.25% 0.25%
24 Month IRA $1,000 0.30% 0.30%
30 Month IRA $1,000 0.35% 0.35%
36 Month IRA $1,000 0.40% 0.40%
48 Month IRA $1,000 0.45% 0.45%
60 Month IRA $1,000 0.55% 0.55%

 

Promotional Share Certificates of Deposit**

Term/Month

Minimum Deposit

Dividend Rate

APY

20 Month CD** $500 1.24% 1.25%
40 Month CD** $500 1.49% 1.50%
12 Month IRA** $1,000 1.00% 1.00%

New money is required for the full deposit amount to any promotional CD above.

**See full disclosures listed in the link below.

Rates effective 7/14/2022

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

Share Certificate Policy & Disclosure
Fee Schedule

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