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Checking & Savings Accounts

All Deposit Rates

Savings Account Rates

Rates Effective: February 1, 2017
Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Range Dividend Rate
Share Savings $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%
Holiday/Vacation Club $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%

Personal Checking Account Rates

Rates Effective: February 1, 2017 Back to top
Annual Percentage Yield (APY) Anticipated Dividend Rate
Relationship PLUS Checking 0.05% 0.05%

Money Management Account Rates

Rates Effective: February 1, 2017 Back to top
Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Dividend Rate
Money Management $0 but less than $2,500.00 0.08% 0.08%
$2,500.00 but less than $10,000.00 0.08% - 0.12% 0.13%
$10,000 or more 0.12% - 0.18%  0.18%
Money Management Plus $0 but less than $25,000.00  0.21%  0.21%
$25,000.00 but less than $50,000.00  0.21% - 0.24%  0.26%
$50,000 or more  0.24% - 0.31%  0.31%

Share Certificate Rates

Rates Effective: February 1, 2017 Back to top
Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
6-month $500 0.31% 0.31%
12-month $1,000 0.45% 0.45%
15-month $250 0.40% 0.40%
18-month $1,000 0.45% 0.45%
24-month $1,000 0.90% 0.90%
Special Offer
36-month rate
$1,000 1.52% 1.51%
Special Offer
48-month rate
$1,000 1.66% 1.65%
60-month $1,000 1.71% 1.70%

Jumbo Share Certificate Rates

Rates Effective: February 1, 2017 Back to top
Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 0.47% 0.47%
12-month $100,000 0.55% 0.55%
18-month $50,000 0.47% 0.47%
18-month $100,000 0.55% 0.55%
24-month $50,000 0.92% 0.92%
24-month $100,000 1.01% 1.00%
Special Offer
36-month rate
$50,000 1.54% 1.53%
Special Offer
36-month rate
$100,000 1.62% 1.61%
Special Offer
48-month rate
$50,000 1.68% 1.67%
Special Offer
48-month rate
$100,000 1.77% 1.75%
60-month $50,000 1.73% 1.72%
60-month $100,000 1.82% 1.80%

IRA Share Rates (Traditional & Roth)

Rates Effective: February 1, 2017 Back to top
Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Range Dividend Rate
Share Savings $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%

IRA Certificate Rates (Traditional & Roth)

Rates Effective: February 1, 2017 Back to top
Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
6-month $500 0.31% 0.31%
12-month $1,000 0.45% 0.45%
15-month $250 0.40% 0.40%
18-month $1,000 0.45% 0.45%
24-month $1,000 0.90% 0.90%
Special Offer
36-month rate
$1,000 1.52% 1.51%
Special Offer
48-month rate
$1,000 1.66% 1.65%
60-month $1,000 1.71% 1.70%

Jumbo IRA Certificates Rates (Traditional & Roth)

Rates Effective: February 1, 2017 Back to top
Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 0.47% 0.47%
12-month $100,000 0.55% 0.55%
18-month $50,000 0.47% 0.47%
18-month $100,000 0.55% 0.55%
24-month $50,000 0.92% 0.92%
24-month $100,000 1.01% 1.00%
Special Offer
36-month rate
$50,000 1.54% 1.53%
Special Offer
36-month rate
$100,000 1.62% 1.61%
Special Offer
48-month rate
$50,000 1.68% 1.67%
Special Offer
48-month rate
$100,000 1.77% 1.75%
60-month $50,000 1.73% 1.72%
60-month $100,000 1.82% 1.80%

Coverdell ESA Savings Rates

Rates Effective: February 1, 2017 Back to top
Balance Tiers (Portion of Balance) Annual Percentage Yield (APY) Range Dividend Rate
Share Savings $0 but less than $2,500.00 0.05% 0.05%
$2,500.00 but less than $10,000.00 0.05% - 0.07% 0.07%
$10,000.00 but less than $25,000.00 0.07% - 0.07% 0.08%
$25,000.00 but less than $50,000.00 0.07% - 0.08% 0.09%
$50,000.00 and over 0.08% - 0.10% 0.10%

Coverdell ESA Certificate Rates

Rates Effective: February 1, 2017 Back to top
Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
6-month $500 0.31% 0.31%
12-month $1,000 0.45% 0.45%
15-month $250 0.40% 0.40%
18-month $1,000 0.45% 0.45%
24-month $1,000 0.90% 0.90%
Special Offer
36-month rate
$1,000 1.52% 1.51%
Special Offer
48-month rate
$1,000 1.66% 1.65%
60-month $1,000 1.71% 1.70%

Coverdell ESA Jumbo Certificate Rates

Rates Effective: February 1, 2017 Back to top
Term Minimum Deposit Annual Percentage Yield (APY) Dividend Rate
12-month $50,000 0.47% 0.47%
12-month $100,000 0.55% 0.55%
18-month $50,000 0.47% 0.47%
18-month $100,000 0.55% 0.55%
24-month $50,000 0.92% 0.92%
24-month $100,000 1.01% 1.00%
Special Offer
36-month rate
$50,000 1.54% 1.53%
Special Offer
36-month rate
$100,000 1.62% 1.61%
Special Offer
48-month rate
$50,000 1.68% 1.67%
Special Offer
48-month rate
$100,000 1.77% 1.75%
60-month $50,000 1.73% 1.72%
60-month $100,000 1.82% 1.80%

Disclosures

  • APY = Annual Percentage Yield.
  • Rates are variable and subject to change at any time, including after account opening.
  • The minimum balance to open each share type and to avoid fees can be found in the Truth In Savings Disclosure.
  • Fees may reduce earnings.
  • Members will forfeit dividends if they close an account before accrued dividends are credited.