Deposit Rates
Effective July 1, 2024
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Deposit Specials:
| Certificates of Deposit & IRA CD Specials | Rate | APY | Paid |
|---|---|---|---|
| 7 Months** $10,000 Minimum | 5.13% | 5.25% | Monthly |
| 13 Months** $10,000 Minimum | 4.94% | 5.05% | Monthly |
Standard Rates:
| Account | Rate | APY | Paid |
|---|---|---|---|
| Regular Share and Club Accounts Average Balances $100 - $2,999 Average Balances > $3,000 (Bonus Shares) |
0.10% 0.20% |
0.10% 0.20% |
Quarterly Quarterly |
| Round-Up Savings^ | 5.00% | 5.10% | Quarterly |
| High Rate Savings†† ($10,000 required average daily balance) |
4.50% | 4.59% | Monthly |
| Variable Rate IRA Rates subject to change quarterly |
0.50% | 0.50% | Quarterly |
| Checking & Money Market Account | Rate | APY | Paid |
|---|---|---|---|
| Guardian and Simplified Checking ($2,500 required average daily balance) |
0.05% |
0.05% | Monthly |
|
Ultimate Checking†
Average Balances up to $15,000
Average Balances >$15,000 |
5.00% 0.05% |
5.12% 0.05% |
Monthly |
|
Premier Checking
($5,000 required average daily balance)
|
0.20% | 0.20% | Monthly |
|
Money Market ($2,500 daily balance required)
$2,500 to $9,999.99
$10,000 to $24,999.99
$25,000 to $99,999.99
$100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and up
|
1.54% 1.69%
1.74%
2.42%
2.52%
3.01%
|
1.55% 1.70%
1.75%
2.45%
2.55%
3.05%
|
Monthly
Monthly Monthly
Monthly Monthly
Monthly
|
| Certificates of Deposit & IRA CDs* | Rate | APY | Paid |
|---|---|---|---|
| 6 Months* $500 Minimum | 4.65% | 4.75% | Monthly |
| 12 Months* $500 Minimum | 4.75% | 4.85% | Monthly |
| 18 Months* $500 Minimum | 4.51% | 4.60% | Monthly |
| 24 Months* $500 Minimum | 4.46% | 4.55% | Monthly |
| 36 Months* $500 Minimum | 4.22% | 4.30% | Monthly |
| 48 Months* $500 Minimum | 3.93% | 4.00% | Monthly |
| 60 Months* $500 Minimum | 3.78% | 3.85% | Monthly |
*Penalties may be applied for early withdrawal.
**Higher penalty may be applied for early withdrawal.
^Guardian Checking required to open account.
† Monthly minimum of $250 in debit card spending and 15 debit card transactions required to qualify
†† Ultimate Checking required to open account; must meet Ultimate Checking monthly requirements to earn dividends.
APY = Annual Percentage Yield
Rates are subject to change at any time.