Type of AccountMinimum Balance*Dividend Rate**Annual Percentage Yield
Access Accounts
Regular Share Accounts (S1) $5 0.40% 0.40%
Youth Savings (S2)
Maximum age for maintaining an account is 22-1/2 year old, 26-1/2 years old with paperless eStatements
$0 - $1,000.00 6.00% 6.18%
Youth Savings (S2)
Maximum age for maintaining an account is 22-1/2 year old, 26-1/2 years old with paperless eStatements
$1,000.01 and Over 0.40% 0.40%
Holiday Savings Club Accounts (S25) $25 - $10,000.00 0.70% 0.70%
Holiday Savings Club Accounts (S25) $10,000.01 and Over 0.40% 0.40%
High Yield eChecking Account (S7)
Account must be opened via banner in Home Banking; requires paperless eStatements to open and maintain the account
$0 - $9,999.99 1.00% 1.01%
High Yield eChecking Account (S7)
Account must be opened via banner in Home Banking; requires paperless eStatements to open and maintain the account
$10,000.00 and Over 0.40% 0.40%
Checking Account (S8) $0 - $9,999.99 0.25% 0.25%
Checking Account (S8) $10,000.00 and Over 0.40% 0.40%
Money Market Plus (S9) $2,500.00 - $49,999.99 0.70% 0.70%
Money Market Plus (S9) $50,000.00 - $99,999.99 0.70% 0.70%
Money Market Plus (S9) $100,000.00 and Over 0.75% 0.75%
Regular Certificates / Individual Retirement Account Certificates (IRA)
6 months**** $1,000 0.70% 0.70%
1-Year**** $1,000 0.85% 0.85%
2-Year $1,000 0.95% 0.96%
3-Year $1,000 1.00% 1.01%
4-Year $1,000 1.05% 1.06%
5-Year $1,000 1.15% 1.16%
Jumbo Certificates / Individual Retirement Account Certificates (IRA)
6 months $50,000 0.75% 0.75%
1-Year $50,000 0.90% 0.90%
2-Year $50,000 1.00% 1.01%
3-Year $50,000 1.05% 1.06%
4-Year $50,000 1.10% 1.11%
5-Year $50,000 1.20% 1.21%
IRA Share Accounts
TRADITIONAL IRA $100  0.70% 0.70%
ROTH IRA $100 0.70% 0.70%
SEP IRA $100 0.70% 0.70%
Rates effective March 01, 2021 through March 31, 2021

*Minimum Daily Balance required to earn the stated APY (APY = Annual Percentage Yield). In a low interest rate environment, a larger balance is required to earn dividends.

**All dividends are compounded daily and credited monthly and at maturity. Certificate accounts closed before maturity are subject to penalties as shown in the Certificate Account Agreement and Disclosure Statement. APYs assume dividends remain on deposit until maturity. All rate subject to change without notice.

***After the age requirement expires or if the account is changed back to receiving paper statements all funds and dividends will be transferred to the S1 account. Youth Account is not available on custodial accounts or Coogan accounts.

****A one-time additional deposit can be made to the regular 6 to 17 month Certificate Accounts, only in an amount no greater than the original deposit. additional deposits are allowed. One Certificate Account per Child's account. Must be under the age of 18.

For more detail on the terms of each account please review our Truth-in-Savings Disclosure or call us at 800-222-1226.