Dividend Rates Chart

APY is the Annual Percentage Yield.

Dividend Terms and Rates Effective Jan. 30, 2017

Account TypeMinimum Balance RequiredAPY
Share Savings (1)$0.00+0.05%
Share Savings (1)$25,001+0.10%
IRA Savings (1)0.10%
Vacation Club (2)0.10%
Christmas Club (2)0.10%
Checking (3)0.01%
Money Market (4)$1,000+0.05%
Money Market (4)$25,000+0.10%
Money Market (4)$75,000+0.10%

(1) Rates shown are anticipated, paid quarterly and may change quarterly. Minimum balance requirements: $5 to open, $100 to earn dividends (under age 18, $5 to earn dividends).
(2) Rates shown are anticipated, paid annually and may change annually. Minimum balance requirements: $5 to open, $100 to earn dividends (under age 18, $5 to earn dividends).
(3) Rates shown are anticipated, paid monthly.Minimum balance requirements: $0 Min. $25 to open, $500 to earn dividends.
(4) Rates shown are anticipated, paid monthly. Minimum balance requirements:$0 Min. $0 to open, $1,000 to earn dividends.

Share Certificate and IRA Certificate (5). IRA Certificates 12 Months and Longer

Certificate Length$500.00+
APY
$25,000.00+
APY
$100,000.00+
APY
3-5 Months NON IRA 0.15% 0.15% 0.15%
6-11 Months NON IRA 0.20% 0.25% 0.30%
12-17 Months 0.35% 0.40% 0.45%
18-23 Months 0.35% 0.40% 0.45%
24-35 Months 0.40% 0.45% 0.50%
36-47 Months 0.55% 0.60% 0.65%
48-59 Months 0.75% 0.99% 1.10%
60-71 Months 1.00% 1.25% 1.35%
72 Months 1.40% 1.45% 1.50%
84 Months 1.45% 1.50% 1.55%

(5) Rates fixed at time of investment. Minimum Deposit $500.00. Total CD balances qualify for rate. Substantial penalty for early withdrawals.