Deposit Rates

Loan Rates Deposit Rates

Personal Savings

Account

Dividend Rate

APY*

Minimum Deposit to Open

Minimum Balance to Earn APY*

Regular Share

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance to Open

$5.00

Minimum Balance to Earn APY*

$5.00

Christmas Club Account

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance to Open

$5.00

Minimum Balance to Earn APY*

$5.00

*APY = Annual Percentage Yield.
‍
Compounded monthly. *On balances up to $500.00 then prevailing Regular Share rate applies.

High-yield savings

Account

Term

Dividend Rate

APY*

Minimum Deposit to Open

Minimum Balance to Earn APY*

Money Market

Term

Dividend Rate

1.00%

APY*

1.00%

Minimum Balance to Open

$2,000

Minimum Balance to Earn APY*

$2,000

Term

Dividend Rate

1.14%

APY*

1.15%

Minimum Balance to Open

$2,000

Minimum Balance to Earn APY*

$10,000

Term

Dividend Rate

1.34%

APY*

1.35%

Minimum Balance to Open

$2,000

Minimum Balance to Earn APY*

$25,000

Term

Dividend Rate

1.44%

APY*

1.45%

Minimum Balance to Open

$2,000

Minimum Balance to Earn APY*

$50,000

Share Certificate

Term

6 months

Dividend Rate

3.06%

APY*

3.10%

Minimum Balance to Open

$500

Minimum Balance to Earn APY*

$500

Term

1 year

Dividend Rate

3.06%

APY*

3.10%

Minimum Balance to Open

$500

Minimum Balance to Earn APY*

$500

Term

18 months

Dividend Rate

3.06%

APY*

3.10%

Minimum Balance to Open

$500

Minimum Balance to Earn APY*

$500

Term

2 years

Dividend Rate

2.96%

APY*

3.00%

Minimum Balance to Open

$500

Minimum Balance to Earn APY*

$500

Term

3 years

Dividend Rate

2.96%

APY*

3.00%

Minimum Balance to Open

$500

Minimum Balance to Earn APY*

$500

Term

4 years

Dividend Rate

2.96%

APY*

3.00%

Minimum Balance to Open

$500

Minimum Balance to Earn APY*

$500

Term

5 years

Dividend Rate

2.96%

APY*

3.00%

Minimum Balance to Open

$500

Minimum Balance to Earn APY*

$500

Jumbo Share Certificate

Term

6 months

Dividend Rate

3.25%

APY*

3.30%

Minimum Balance to Open

$100,000

Minimum Balance to Earn APY*

$100,000

Term

1 year

Dividend Rate

3.25%

APY*

3.30%

Minimum Balance to Open

$100,000

Minimum Balance to Earn APY*

$100,000

Term

18 months

Dividend Rate

3.25%

APY*

3.30%

Minimum Balance to Open

$100,000

Minimum Balance to Earn APY*

$100,000

Term

2 years

Dividend Rate

3.15%

APY*

3.20%

Minimum Balance to Open

$100,000

Minimum Balance to Earn APY*

$100,000

Term

3 years

Dividend Rate

3.15%

APY*

3.20%

Minimum Balance to Open

$100,000

Minimum Balance to Earn APY*

$100,000

Term

4 years

Dividend Rate

3.15%

APY*

3.20%

Minimum Balance to Open

$100,000

Minimum Balance to Earn APY*

$100,000

Term

5 years

Dividend Rate

3.15%

APY*

3.20%

Minimum Balance to Open

$100,000

Minimum Balance to Earn APY*

$100,000

*APY = Annual Percentage Yield.
‍
Money Market: $2,000.00 Minimum Deposit to Open Account. Compounded monthly.

Share Certificates: Compounded daily. Penalty for early withdrawal.$500.00 Minimum Deposit to Open Account; $500.00 Minimum Balance to Obtain APY.

Jumbo Share Certificates: Compounded daily. Penalty for early withdrawal.$100,000.00 Minimum Deposit to Open Account; $100,000.00 Minimum Balance to Obtain APY.

Checking accounts

Account

Dividend Rate

APY*

Minimum Balance to Earn APY*

Choice + Checking Up to $2,500 (if criteria met)

Dividend Rate

2.47%

APY*

2.50%

Minimum Balance to Earn APY*

$4,000

$2,500+

Dividend Rate

0.01%

APY*

0.01%

Minimum Balance to Earn APY*

$4,000

*APY = Annual Percentage Yield.

$4,000.00 average daily balance is required in order to receive the dividend rate of 2.50% APY on first $2,500.00. Balances exceeding $2,500.00 will earn 0.01% APY. If $4,000.00 average daily balance is not maintained, then no dividend will be paid.

Youth accounts

Account

Dividend Rate

APY*

Minimum Balance to Earn APY*

Embark Teen Checking

Dividend Rate

0.10%

APY*

0.10%

Minimum Balance to Earn APY*

$1000.00

Youth Savings

Dividend Rate

4.99%

APY*

5.10%

Minimum Balance to Earn APY*

$5.00

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance to Earn APY*

$500.01

*APY = Annual Percentage Yield.
‍
Special interest rate of 5.10% APY up to the first $500 in the savings account. Balances above $500 will be paid at the current rate.

Retirement Savings

Account

Term

Dividend Rate

APY*

Minimum Balance to Earn APY*

IRA Share

Term

Dividend Rate

0.25%

APY*

0.25%

Minimum Balance to Earn APY*

$5.00

Roth IRA Share

Term

Dividend Rate

0.25%

APY*

0.25%

Minimum Balance to Earn APY*

$5.00

IRA Money Market

Term

Dividend Rate

1.74%

APY*

1.75%

Minimum Balance to Earn APY*

$2,000

Term

Dividend Rate

1.93%

APY*

1.95%

Minimum Balance to Earn APY*

$10,000

Term

Dividend Rate

2.13%

APY*

2.15%

Minimum Balance to Earn APY*

$25,000

Term

Dividend Rate

2.23%

APY*

2.25%

Minimum Balance to Earn APY*

$50,000

IRA Certificate

Term

6 months

Dividend Rate

3.06%

APY*

3.10%

Minimum Balance to Earn APY*

$500

Term

18 months

Dividend Rate

3.06%

APY*

3.10%

Minimum Balance to Earn APY*

$500

Term

1 year

Dividend Rate

3.06%

APY*

3.10%

Minimum Balance to Earn APY*

$500

Term

2 years

Dividend Rate

2.96%

APY*

3.00%

Minimum Balance to Earn APY*

$500

Term

3 years

Dividend Rate

2.96%

APY*

3.00%

Minimum Balance to Earn APY*

$500

Term

4 years

Dividend Rate

2.96%

APY*

3.00%

Minimum Balance to Earn APY*

$500

Term

5 years

Dividend Rate

2.96%

APY*

3.00%

Minimum Balance to Earn APY*

$500

IRA Jumbo Certificate

Term

6 months

Dividend Rate

3.25%

APY*

3.30%

Minimum Balance to Earn APY*

$100,000

Term

18 months

Dividend Rate

3.25%

APY*

3.30%

Minimum Balance to Earn APY*

$100,000

Term

1 year

Dividend Rate

3.25%

APY*

3.30%

Minimum Balance to Earn APY*

$100,000

Term

2 years

Dividend Rate

3.15%

APY*

3.20%

Minimum Balance to Earn APY*

$100,000

Term

3 years

Dividend Rate

3.15%

APY*

3.20%

Minimum Balance to Earn APY*

$100,000

Term

4 years

Dividend Rate

3.15%

APY*

3.20%

Minimum Balance to Earn APY*

$100,000

Term

5 years

Dividend Rate

3.15%

APY*

3.20%

Minimum Balance to Earn APY*

$100,000

*APY = Annual Percentage Yield.

IRA Money Market: $2,000.00 Minimum Deposit to Open Account. Compounded monthly.

IRA Share Certificates: Compounded daily. Penalty for early withdrawal.$500.00 Minimum Deposit to Open Account; $500.00 Minimum Balance to Obtain APY.

IRA Jumbo Share Certificates: Compounded daily. Penalty for early withdrawal.$100,000.00 Minimum Deposit to Open Account; $100,000.00 Minimum Balance to Obtain APY.