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HomeSavings & InvestmentsSavings and Certificates • Savings & Certificate Rates

Savings & Investment Rates

Tiered Rate Savings Certificates

Balance of $1,000 to $9,999
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*
3 months 0.15% 0.15%
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

Balance of $10,000 to $49,999
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*
3 months 0.15% 0.15%
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

Balance of $50,000 to $98,999
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*
3 months 0.15% 0.15%
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

JUMBO Savings Certificates: Balance of $99,000+
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*
3 months 0.15% 0.15%
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 0.75% 0.75%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

IRA Certificates

Start Up IRA Certificates: Balance of $50 to $999*
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*
3 months 0.10% 0.10%
Members can open a 3 month IRA Certificate with as little as $50. Once the balance reaches $1,000, please call 800-300-9728 and ask for an upgrade to a longer term certificate at higher dividends. Early withdrawal subject to penalty.

IRA Certificates: Balance of $1,000 to $9,999
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 1.24% 1.25%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

IRA Certificates: Balance of $10,000 to $49,999
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 1.24% 1.25%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

IRA Certificates: Balance of $50,000 to $98,999
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 1.24% 1.25%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

IRA Certificates JUMBO: Balance of $99,000+
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*
6 months 0.30% 0.30%
12 months 0.75% 0.75%
18 months 1.24% 1.25%
24 months 1.00% 1.00%
36 months 1.25% 1.26%
48 months 1.50% 1.51%
60 months 1.75% 1.76%

Money Market Account*
Effective Date: 1/31/17
Balance of:Dividend RateAnnual Percentage Yield*
$0 to $2,499 0.00% 0.00%
$2,500 to $9,999 0.10% 0.10%
$10,000 to $24,999 0.10% 0.10%
$25,000 to $49,999 0.10% 0.10%
$50,000+ 0.15% 0.15%
*Make deposits and in-branch withdrawals. Withdrawals made through Bank by Phone, the Call Center and Online Banking are limited to 6 per month. Balances below $2,500 will receive tthe stated rate of interest.

Flexible Savings Certificate*
Effective Date: 1/31/17
TermDividend RateAnnual Percentage Yield*Minimum Balance
6 months 0.20% 0.20% $5,000
*Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required.

Savings & Interest-Bearing Checking Accounts
Effective Date: 1/31/17
As of October 1, 2016 the Board of Directors has declared the following Quarterly Dividend Rates for the period of October 1 to and including December 31, 2016:
ProductMinimum BalanceAnnual Percentage Yield*
Savings Account $25 0.10%
Checking Account (Apex and Advantage accounts only) * 0.05%
Holiday Savings Club** $50 1.00%
MatriMoney Special Purpose Savings** $50 1.00%

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