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Notice: For enhanced security in Online Banking, member numbers may no longer be used as Log-in IDs. If you are still using your member number as your Log-in ID, you will be required to change it by October, 24th (extended). You can change your Log-in ID by selecting 'Account Management' in Online Banking. Learn More

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Deposit Rates

Savings Rates

Share Savings Accounts | Effective Date: October 15, 2018
Account Balance Amount Dividend Rate* APY**
Membership Accounts, Youth Accounts, Special Savings Accounts, Custodial/Trust Accounts, IRA Accumulative & Holiday Club Accounts
$100+ 0.030% 0.03%
You Name It Savings
$100+ 0.050% 0.05%

Premier Savings for New Members | Effective Date: October 15, 2018
Account Balance Amount Dividend Rate* APY**
Premier Savings***
Up to $5,000 2.956% 3.00%
Premier Savings***
$5,001 - $10,000 1.980% 2.00%
Premier Savings*** $10,001- $50,000 0.995% 1.00%
Premier Savings***
$50,001+ 0.499% 0.50%


Fee Schedule

For Youth, Custodial, Holiday Club, and Accumulative IRA accounts, Dividend Rate and APY are the same as Membership Accounts, with the exception that dividends are earned starting at $5.00 instead of $100.00.

*Variable rate accounts. Rates may change at any time after the account is opened.

**APY is Annual Percentage Yield. Fees may reduce earnings, APY is calculated on the minimum average daily balance in the account each month.

***
Available only to new members during the first thirty (30) days from the date of opening a membership account. Fees may reduce earnings. APY is calculated on the minimum average daily balance in the account each month. A minimum average daily balance of $100 is required to earn dividends. The Premier Savings account is a variable rate account and rates may change at any time. Please refer to our current Rate Schedule for applicable dividend rates, APYs and tiers. For example, an account with an average daily balance of $100,000 will earn 3.00% APY on balances up to $5,000, 2.00% APY on balances over $5,000 up to $10,000, 1.00% APY on balances over $10,000 up to $50,000, and 0.50% APY on the remaining balance in excess of $50,000. Please refer to Terms and Conditions Applicable to Premier Savings in the Account Disclosure and Deposit Agreement for additional information regarding this account.

Checking Rates

Consumer Checking (Share Draft) Accounts | Effective Date: October 15, 2018
Account Balance Amount Dividend Rate* APY**
Smart REWARDS Checking
$100 - $15,000 1.489% 1.50%
Smart REWARDS Checking
Over $15,000+ 0.10% 0.10%
Fee Schedule

*Members must meet the following criteria each month to qualify for the REWARDS: 1) 10 posted and cleared debit card transactions per month (PIN or Signature based, not including ATM transactions); 2) Establish direct deposit ($1,000 total minimum per month); 3) E-Documents enrollment (receive monthly e-statements and account notices electronically). Dividends earned will be calculated and ATM Surcharge Rebates will be refunded based on prior month end data.


**APY is Annual Percentage Yield. Variable rate account. Rates may change at any time after account is opened. The minimum balance to open the account is $20, and the minimum average daily balance to earn the stated APY is $100. Balances $15,000 and under earn 1.50% APY as long as monthly criteria* is met. The remaining balance over $15,000 earns 0.10% APY. If the monthly criteria* is not met, the entire balance earns 0.01% APY. Fees may reduce earnings.

Money Market Rates

Consumer Money Market Accounts | Effective Date: October 15, 2018
Account Balance Amount Dividend Rate* APY**
Money Market
$2,500 - 49,999 0.050% 0.05%
Money Market
$50,000 - $249,999 0.100% 0.10%
Money Market
$250,000+ 0.150% 0.15%
Fee Schedule

*Variable rate accounts. Rates may change at any time after the account is opened.

**APY is Annual Percentage Yield. Fees may reduce earnings, APY is calculated on the minimum average daily balance in the account each month.

Certificate Rates

Certificate Accounts Effective Date: October 15, 2018
Account Term Balance Amount Dividend Rate APY*
Liquid and IRA Liquid Share Certificates
5 Months $10,000 0.100% 0.10%
Account (Pick-A-Term and IRA Fixed Term Share Certificates) Balance Amount Dividend Rate APY*
6 to 11 Months
$1,000 0.100% 0.10%
12 to 23 Months
$1,000 0.150% 0.15%
24 to 35 Months
$1,000 0.300% 0.30%
36 to 47 Months
$1,000 0.499% 0.50%
48 to 59 Months
$1,000 0.747% 0.75%
60 Months
$1,000 0.995% 1.00%
Fee Schedule

Penalty may be imposed for early withdrawal.


*APY is Annual Percentage Yield. Fees may reduce earnings, APY is calculated on the minimum average daily balance in the account each month.