Deposit Rates


Minimum Balance
SAVINGS Variable Dividend Rate Annual Percentage Rate (APY) To Open Dividend Tiers*
Regular Share, Secondary Share Account (Formerly Club Share Account), HSA,
 and IRA Share Accounts
$100.00 to $999.99
$1,000.00 to $24,999.99
$25,000.00 or more
0.010%
0.015%
0.025%
0.010%
0.015%
0.025%
$5.00 $100.00
$1,000.00
$25,000.00
Installment Savings Certificate  (Monthly deposit to achieve a savings goal)
12-36 Months
37-60 Months
0.010%
0.025%
0.010%
0.025%
$5.00
$100.00


Youth Share Savings Accounts
(Formerly Treasure Hunter)
(Minor Account Includes former Kids Super Saver and Scottie Saver Accounts)
12-36 Months
37-60 Months
0.050%
0.050%
0.050%
0.050%
$5.00 $5.00
$25,000.00





Money Market
Variable Dividend Rate Annual Percentage Rate (APY) To Open Dividend Tiers*
Diamond Money Market and Business
Money Market 
$25,000.00 to $49,999.99
$50,000.00 or more 
0.030%
0.040%
0.030%
0.040%
$25,000.00
$25,000.00
$50,000.00
Money Market 
$2,500.00 to $9,999.99
$10,000.00 to 24,999.99
$25,000.00 to 49,999.99
$50,000.00 or more 
0.015%
0.025%
0.030%
0.040%
0.010%
0.025%
0.030%
0.040%
$25,000.00
$2,500.00
$10,000.00
$25,000.00
$50,000.00

Tax Impound Escrow Share Escrow Accounts
$0.01 or more  1.982% 2.000% $0.01 N/A
Checking Products
Variable Dividend Rate Annual Percentage Rate (APY) To Open Dividend Tiers*
Advantage, Basic, Premier (Discontinued), Fresh Start,
Youth Adult Checking, Student, Business

0.000%
0.000%
$50.00
($25 for student checking)
N/A
Diamond Checking
$15,000.00 to $24.999.99
$25,000.00 to $49,000.99
$50,000.00 or more 
0.010%
0.015%
0.015%
0.010%
0.015%
0.015%
$15,000.00
$15,000.00
$25,000.00
$50,000.00

Interest Checking & Business Interest Checking
$1,500.00 to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $49,999.99
$50,000.00 or more 
0.010%
0.010%
0.015%
0.015%
0.010%
0.010%
0.015%
0.015%
$1,500.00
$1,500.00
$10,000.00
$25,000.00
$50,000.00
Certificates 
Variable Dividend Rate Annual Percentage Rate (APY) To Open Dividend Tiers*
Youth Hunter (Formerly Treasure Hunter) and OMG! Add-on 
Certificate
(Minor Accounts, 12-month term,
$1,000 Max, one per member)

0.995%
1.000%
$50.00
$50.00
Business Certificates
(Sole Proprietorship Only)

12 Months
0.100%
0.100%
$500.00 $500.00
Certificates & IRA Certificates 
6 Months
12 Months
24 Months
36 Months
60 Months
0.050%
0.100%
0.300%
0.449%
0.449%
0.050%
0.100%
0.300%
0.450%
0.500%
$500.00
$500.00
Diamond Certificates &  Diamond IRA Certificates 



6 Months
12 Months
24 Months
36 Months
60 Months
0.100%
0.150%
0.349%
0.499%
0.549%
0.100%
0.150%
0.350%
0.500%
0.550%
$50,000.00
$50,000.00
Bump Up Certificates &  Bump Up IRA Certificates 

($500 Minimum for IRA Certs)

24 Months
36 Months
60 Months
0.200%
0.250%
0.349%
0.200%
0.250%
0.350%
$1,000.00
$1,000.00
Add On Certificates &   IRA Certificates 
($10,000 max Certificate Amount. Limit one Add On Certificate per member)




12 Months
24 Months
36 Months
60 Months
0.100%
0.250%
0.349%
0.399%
0.100%
0.250%
0.350%
0.400%
$100.00 $100.00
Liquid Certificates &  IRA Certificates 

($500 Minimum for IRA Certs)

12 Months
24 Months
36 Months
60 Months
0.050%
0.200%
0.300%
0.349%
0.050%
0.200%
0.300%
0.350%
$1,000.00
$1,000.00