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Personal Deposit Rates

Rates effective February 18, 2019

Savings
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Account Opening Balance Minimum Balance** Interest Rate APY*
Regular Savings $5 $100 0.04% 0.04%
Money Market $2,500+ $2,500 0.04% 0.04%

Dividends are paid from current and available earnings, after required transfers to reserves at the end of the dividend period. Fees or other conditions could reduce earnings on any of the accounts listed. For all Savings and Money Market Savings the prospective Dividend Rate and prospective Annual Percentage Yield are set forth above. The Dividend Rate and APY on Savings Accounts may change monthly as determined by the Board of Directors. The Dividend Rate and APY on Money Market Savings may change daily.

* APY = Annual Percentage Yield.

** Minimum balance required to earn stated APY.

Share Certificates

New Certificates are not being opened at this time, rates posted for renewals only.

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Term Opening Balance Interest Rate APY*
12 Months $1,000 0.02% 0.02%
18 Months $1,000 0.02% 0.02%
24 Months $1,000 0.02% 0.02%
36 Months $1,000 0.02% 0.02%
48 Months $1,000 0.02% 0.02%
60 Months $1,000 0.02% 0.02%

There is an early withdrawal penalty on Share Certificate accounts.

The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fee's, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account.

* APY = Annual Percentage Yield.

Individual Retirement Accounts

New IRAs are not being opened at this time, rates posted are for renewals only.

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Term Opening Balance Interest Rate APY*
6 Months $100 0.02% 0.02%
12 Months $100 0.02% 0.02%
18 Months $100 0.02% 0.02%
24 Months $100 0.02% 0.02%
48 Months $1,000 0.02% 0.02%
60 Months $1,000 0.02% 0.02%

There is an early withdrawal penalty on IRA accounts.

The Dividend Rate and Annual Percentage Yield (APY) are subject to change at any time. The APY is based on the assumption that dividends will remain in the account until maturity. Any withdrawals, fee's, or transfers reduce earnings and there may be penalties for early withdrawals. Please refer to our "Truth In Savings Disclosure" for specific details about any account.

* APY = Annual Percentage Yield.