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Share Rates

Share Rates – $25 Minimum Investment

Rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Account TypeMinimum Opening DepositMinimum Balance to Earn APYLimitations ApplyDividend RateAnnual Percentage Yield
Regular Shares$25$100Transfer0.15%0.15%
Christmas ClubNONE$100Transfer0.20%0.20%
IRA Regular Shares
up to $5,000$25$100Transfer0.20%0.20%
$5,000 - $10,000$25$100Transfer0.55%0.55%
over $10,000$25$100Transfer0.65%0.65%
Dividends will be compounded quarterly and will be credited quarterly.
Money Market Accounts
$2,500 - $9,999$2,500$2,500Transfer & Withdrawal0.20%0.20%
$10,000 - $24,999$2,500$2,500Transfer & Withdrawal0.30%0.30%
$25,000 - $49,999$2,500$2,500Transfer & Withdrawal0.35%0.35%
$50,000 & over$2,500$2,500Transfer & Withdrawal0.40%0.40%
Share Draft Accounts
up to $2,499$100$250Transfer0.05%0.05%
$2,500 & over$100$250Transfer0.05%0.05%

Share and IRA Certificates – $500 Minimum Investment

Rates and other terms may change at any time without prior notice. *$500.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

  • Dividends will be compounded quarterly and will be credited quarterly.
  • If you close your share account before dividends are paid, you will not receive the accrued dividends.
TermsDividend RateAnnual Percentage Yield
6 Months Base Rate0.20%0.20%
Checking or Loan0.30%0.30%
Checking & Loan0.40%0.40%
Direct Deposit0.35%0.35%
Direct Deposit & Checking or Loan0.45%0.45%
Direct Deposit & Checking & Loan0.55%0.55%
1 Year Base Rate0.40%0.40%
Checking or Loan0.50%0.50%
Checking & Loan0.60%0.60%
Direct Deposit0.55%0.55%
Direct Deposit & Checking or Loan0.65%0.65%
Direct Deposit & Checking & Loan0.75%0.75%
18 Months Base Rate0.40%0.40%
Checking or Loan0.50%0.50%
Checking & Loan0.60%0.60%
Direct Deposit0.55%0.55%
Direct Deposit & Checking or Loan0.65%0.65%
Direct Deposit & Checking & Loan0.75%0.75%
2 Year Base Rate0.65%0.65%
Checking or Loan0.75%0.75%
Checking & Loan0.85%0.85%
Direct Deposit0.80%0.80%
Direct Deposit & Checking or Loan0.90%0.90%
Direct Deposit & Checking & Loan1.00%1.01%
3 Year Base Rate0.75%0.75%
Checking or Loan0.85%0.85%
Checking & Loan0.95%0.95%
Direct Deposit0.90%0.90%
Direct Deposit & Checking or Loan1.00%1.01%
Direct Deposit & Checking & Loan1.10%1.11%
4 Year Base Rate1.00%1.01%
Checking or Loan1.10%1.11%
Checking & Loan1.20%1.21%
Direct Deposit1.15%1.16%
Direct Deposit & Checking or Loan1.25%1.26%
Direct Deposit & Checking & Loan1.35%1.36%
5 Year Base Rate1.10%1.11%
Checking or Loan1.20%1.21%
Checking & Loan1.30%1.31%
Direct Deposit1.25%1.26%
Direct Deposit & Checking or Loan1.35%1.36%
Direct Deposit & Checking & Loan1.45%1.46%

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