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Deposit Rates

Effective December 26, 2023
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Deposit Specials:


Certificates of Deposit & IRA CD Specials Rate APY Paid
6 Months**  $10,000 Minimum 5.35% 5.48% Monthly
12 Months**  $10,000 Minimum 5.25% 5.38% 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
RoundUp Savings 5.00% 5.10% Quarterly
High Rate Savings††  $10,000 required average daily balance 4.50% 4.58% Monthly
Variable Rate IRA
Rate subject to change quarterly
0.50% 0.50% Quarterly
Checking & Money Market Account Rate APY Paid
Guardian 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


1.00%
1.25%
1.50%
2.25%
2.50%
3.00%


1.00%
1.26%
1.51%
2.27%
2.53%
3.04%


Monthly
Monthly
Monthly
Monthly
Monthly
Monthly

Certificates of Deposit & IRA CDs* Rate APY Paid
6 Months $500 Minimum 4.00% 4.07% Monthly
12 Months $500 Minimum 5.00% 5.12% Monthly
18 Months $500 Minimum 4.50% 4.59% Monthly
24 Months $500 Minimum 4.20% 4.28% Monthly
36 Months $500 Minimum 4.20% 4.28% Monthly
48 Months $500 Minimum 4.10% 4.18% Monthly
60 Months $500 Minimum 4.00% 4.07% Monthly

*Penalties may be applied for early withdrawal
Minimum monthly spend of $250 and 15 debit card swipes 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 anytime