Account Rate Schedule

Savings and Checking Accounts

Account Type Minimum Balance Dividend Rate APY
Basic Savings $100  0.10%  0.10%
Special Savings $5,000  0.10%  0.10%
Holiday Club Savings $100  0.10%  0.10%
Personal Checking $0  0.00%  0.00%
High Yield Checking (Qualifying Accounts)* Up to $25,000 $0   1.00%  1.00%
High Yield Checking (Qualifying Accounts)* $25,000 + $0   0.10%   0.10%
High Yield(Non-Qualifying Accounts)* $0   0.10%   0.10%

Dividends are calculated using Average Daily Balance. Special Savings and Holiday Club dividends credit and compound annually. Basic Savings and High Yield Checking dividends credit and compound monthly. Rates subject to change after account opening and effective as of April 1, 2013.
*1.00% Annual Percentage Yield (APY) paid on balances between one penny and $25,000 and 0.10% APY paid on all amounts above $25,000.00 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a checking account earning 0.10% APY. Rates as of April 1, 2013. Interest rate and APY subject to change at any time after the account is opened. No Minimum Balance Required. At least 15 signature-based Debit card transactions must be posted to the account within the calendar month period to qualify for rewards. ATM and PIN-generated transactions do not qualify member for bonus rate. Available to Personal Accounts only. No monthly service charge.

Open a Savings or Checking Account

Money Market Account

Account Balance Dividend Rate APY
$0 - $1,999.99 0.00% 0.00%
$2,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.20% 0.20%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.25% 0.25%
$100,000 and over 0.25% 0.25%

Interest is calculated using Average Daily Balance. Interest credits and compounds monthly. Rates subject to change after account opening and effective as of August 1, 2013. Maintenance or activity fees could reduce the earning of this account.

Open a Money Market Account

Certificates of Deposit

Account Type Term Minimum Balance Dividend Rate APY
Referral Certificate** 6-month $250 0.35% 0.35%
Saver Certificate 6-month $500 0.35% 0.35%
Saver Certificate 12-month $500 0.50% 0.50%
Saver Certificate 24-month $500 0.85% 0.85%
Investor Certificate 7-month $2,000 0.40% 0.40%
Investor Certificate 9-month $2,000 0.45% 0.45%
Investor Certificate 13-month $2,000 0.55% 0.55%
Premier Certificate 3-month $5,000 0.25% 0.25%
Premier Certificate 6-month $5,000 0.35% 0.35%
Premier Certificate 12-month $5,000 0.50% 0.50%
Premier Certificate 18-month $5,000 0.65% 0.65%
Premier Certificate 24-month $5,000 0.75% 0.75%
Premier Certificate 30-month $5,000 0.85% 0.85%
Premier Certificate 36-month $5,000 0.95% 0.95%
Premier Certificate 48-month $5,000 1.04% 1.05%
Premier Certificate 60-month $5,000 1.14% 1.15%

**Referral Certificate available only through Member Referral Program
Interest is calculated using Average Daily Balance. Interest credit and compounds quarterly. Renewals are automatic unless notified within 10-day Grace Period. Rates for term accounts are effective as of August 1, 2013, and are subject to change. Early withdrawal penalties may be imposed.

Open a Certificate of Deposit

For the most current rates, please hit your "Refresh" or "Reload" button. Rates for term accounts are effective as of August 1, 2013 and are subject to change. All rates are annual percentage yields (APY) unless otherwise noted.

Account Disclosures

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