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+ | 0.05% | 0.05% | ||
| Last declared & paid 9/30/2026 | |||||
| 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 | 1.49% | 1.50% | |||
| Optimum Checking1 – Other qualifications apply to obtain premium rate. Refer to Account Disclosures. | |||||
Rates effective 10/1/2026
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 | 0.50% | 0.50% |
| 6 Month CD | $500 | 3.84% | 3.90% |
| 12 Month | $500 | 2.97% | 3.00% |
| 12 Month Dividend Payment CD | $500 | 2.97% | 2.97% |
| 12 Month Youth CD | $100 | 4.91% | 5.00% |
| 18 Month CD | $500 | 2.97% | 3.00% |
| 24 Month CD | $500 | 1.99% | 2.00% |
| 30 Month CD | $500 | 3.94% | 4.00% |
| 36 Month CD | $500 | 3.94% | 4.00% |
| 48 Month CD | $500 | 3.94% | 4.00% |
| 60 Month CD | $500 | 3.46% | 3.50% |
| 12 Month IRA | $1,000 | 2.97% | 3.00% |
| 18 Month IRA | $1,000 | 2.97% | 3.00% |
| 24 Month IRA | $1,000 | 1.99% | 2.00% |
| 30 Month IRA | $1,000 | 3.94% | 4.00% |
| 36 Month IRA | $1,000 | 3.94% | 4.00% |
| 48 Month IRA | $1,000 | 3.94% | 4.00% |
| 60 Month IRA | $1,000 | 3.46% | 3.50% |
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+ | 0.05% | 0.05% | ||
| Last declared & paid 9/30/2026 | |||||
| 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 | 1.49% | 1.50% | |||
| Optimum Checking1 – Other qualifications apply to obtain premium rate. Refer to Account Disclosures. | |||||
Rates effective 10/1/2026
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 | 0.50% | 0.50% |
| 6 Month CD | $500 | 3.84% | 3.90% |
| 12 Month CD | $500 | 2.97% | 3.00% |
| 12 Month Dividend Payment CD | $500 | 2.97% | 2.97% |
| 12 Month Youth CD | $100 | 4.91% | 5.00% |
| 18 Month CD | $500 | 2.97% | 3.00% |
| 24 Month CD | $500 | 1.99% | 2.00% |
| 30 Month CD | $500 | 3.94% | 4.00% |
| 36 Month CD | $500 | 3.94% | 4.00% |
| 48 Month CD | $500 | 3.94% | 4.00% |
| 60 Month CD | $500 | 3.46% | 3.50% |
| 12 Month IRA | $1,000 | 2.97% | 3.00% |
| 18 Month IRA | $1,000 | 2.97% | 3.00% |
| 24 Month IRA | $1,000 | 1.99% | 2.00% |
| 30 Month IRA | $1,000 | 3.94% | 4.00% |
| 36 Month IRA | $1,000 | 3.94% | 4.00% |
| 48 Month IRA | $1,000 | 3.94% | 4.00% |
| 60 Month IRA | $1,000 | 3.46% | 3.50% |
Questions?
Contact a Glass City
representative today!
Locations across
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.
Locations across
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.
