Rates and Terms may vary after this date: January 1, 2025

Members will forfeit dividends if they should close an account before accrued dividends are credited. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Rates

Savings Dividend Rate* Annual Percentage Yield (APY)**
Paid 12/31/2025 0.05% 0.05%

Money Market Account Rates

Effective Paid 12/31/2025

Amount Dividend Rate* Annual Percentage Yield (APY)**
$2,500 – $10,000 2.00% 2.02%
$10,000+ – $50,000 2.25% 2.27%
$50,000+ – $100,000 2.40% 2.43%
$100,000+ 2.50% 2.53%

Savings Certificates

Effective 05/12/2025

Amount Dividend Rate* Annual Percentage Yield (APY)**
12 month/$1,000 min 3.45% 3.50%
24 month/$1,000 min 3.51% 3.56%
36 month/$1,000 min 3.56% 3.61%
48 month/$1,000 min 3.56% 3.61%
60 month/$1,000 min 3.61% 3.66%

IRA Certificates

Effective 05/12/2025

Amount Dividend Rate* Annual Percentage Yield (APY)**
12 month/$2,000 min 3.45% 3.50%
24 month/$2,000 min 3.51% 3.56%
36 month/$2,000 min 3.56% 3.61%
48 month/$2,000 min 3.56% 3.61%
60 month/$2,000 min 3.61% 3.66%

IRAs

Account Type Dividend Rate* Annual Percentage Yield (APY)**
0.10% 0.10% paid 12/31/2025
0.10% 0.10% to be paid 03/31/2026

$100 minimum, $10.00 annual fee < $500 balance

$25.00 early withdrawal fee