Savings Rates

Rates are effective October 1, 2017 and are subject to change without advanced notice.

Regular Shares (Savings), Holiday Shares and IRA Shares
Description Rate APY Minimum Amount
Regular Shares 0.05% 0.05% $25.00
Holiday Club Shares 0.05% 0.05% $25.00
IRA Shares 0.05% 0.05% $25.00
SMARTY Savings 0.50% 0.50% $5.00

All dividends are calculated daily and paid at month-end, effective the first day of each quarter. Holiday Shares may be withdrawn starting October 1st until January 31st of the following year. APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Checking / Money Market Shares
Description Rate APY Minimum Amount
Success Checking 0.05% 0.05% $500 +
Prosperity Checking 0.10%  0.10% $10,000+ 
Teen Checking 2.00% 2.00% $0.00
Money Market Shares I 0.10% 0.10% $1,000.00 - 9,999.99
Money Market Shares II 0.15% 0.15% $10,000.00 - 24,999.99
Money Market Shares III 0.20% 0.20% $25,000 - 49,999,99
Money Market Shares IV 0.30% 0.30% $50,000 +

Money Market Requirements

  • Minimum Balance – Balance must be kept above $1,000.00 to maintain current money market rate. If the Money Market balance falls below $1,000.00, the rate will revert to the Regular Share Interest Rate.
  • Withdrawals – The Maximum withdrawal limit is three per month without a service charge. A withdrawal is considered any cash withdrawal, transfer of funds or issuance of a check either by telephone or in person.
  • Charges – A $10.00 fee will be incurred for any withdrawal over three. This charge will be posted at the end of each month.

APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Regular Term Certificates
Description Rate APY Minimum Amount
3 Month Certificate .15% .15% $500.00
6 Month Certificate .25% .25% $500.00
Add-on Certificate .25% .25% $100.00
12 Month Certificate .40% .40% $500.00
18 Month Certificate .50% .50% $500.00
24 Month Certificate .65% .65% $500.00
30 Month Certificate .70% .70% $500.00
36 Month Certificate .90% .90% $500.00
48 Month Certificate 1.09% 1.10% $500.00
60 Month Certificate 1.49% 1.50% $500.00

Rates are evaluated by the Board of Directors and are subject to change without notice. Dividends are compounded daily and credited monthly. Certificates are automatically renewed for another term upon maturity. Options for receiving dividends are available. All certificates are subject to early withdrawal penalties. Penalty for early withdrawal: Terms less than 12 months – 90 days dividends; 12 to less than 24 months – 180 days dividends; 24 to less than 48 months – 360 days dividends; 48 months or greater – 720 days dividends. APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts

Jumbo Term Certificates
Description Rate APY Minimum Amount
6 Month Certificate .35% .35% $50,000.00
12 Month Certificate .50% .50% $50,000.00
24 Month Certificate .75% .75% $50,000.00
36 Month Certificate 0.995% 1.00% $50,000.00
48 Month Certificate 1.24% 1.25% $50,000.00
60 Month Certificate 1.64% 1.65% $50,000.00

Rates are evaluated by the Board of Directors and are subject to change without notice. Dividends are compounded daily and credited monthly. Certificates are automatically renewed for another term upon maturity. Options for receiving dividends are available. All certificates are subject to early withdrawal penalties. Penalty for early withdrawal: Terms less than 12 months – 90 days dividends; 12 to less than 24 months – 180 days dividends; 24 to less than 48 months – 360 days dividends; 48 months or greater – 720 days dividends. APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Traditional IRA and ROTH IRA Term Certificates
Description Rate APY Minimum Amount
12 Month Certificate .40% .40% $500.00
24 Month Certificate .65% .65% $500.00
36 Month Certificate .90% .90% $500.00
48 Month Certificate 1.09% 1.10% $500.00
60 Month Certificate 1.49% 1.50% $500.00

Certificates are automatically renewed for another term upon maturity. Options for receiving dividends are available. All certificates are subject to early withdrawal penalties. Penalty for early withdrawal: Terms less than 12 months – 90 days dividends; 12 to less than 24 months – 180 days dividends; 24 to less than 48 months – 360 days dividends; 48 months or greater – 720 days dividends. APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

All dividends are calculated daily. Money Market and other share accounts are paid monthly. Your share accounts are federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government by the National Credit Union Administration (NCUA), a US Government Agency. APY=Annual Percentage Yield.Various fees may reduce the earnings on accounts.