Share and CD accounts Rates are subject to change Important information about procedures for opening a new account Download our schedule of account fees Share Accounts Minimum balance of $50.00 required Balance Dividend Rate APY* $50 - $1,500 .25% .25% $1,501 - $5,000 .50% .50% $5,001 and up .75% .75% Whiz Kid Share Accounts Minimum balance of $25 required Term Dividend Rate APY* NA .25% .25% Share Draft Accounts Term Dividend Rate APY* NA 0% 0% IRA Club Term Dividend Rate APY* NA 0.50% 0.50% Christmas Club Balance Dividend Rate APY* $50 - $1,500 .25% .25% $1,501 - $5,000 .50% .50% $5,001 and up .75% .75% Vacation Club Balance Dividend Rate APY* $50 - $1,500 .25% .25% $1,501 - $5,000 .50% .50% $5,001 and up .75% .75% Hi Yield savings Minimum balance of $1,500.00 required Balance Dividend Rate APY* $1,500 - $9,999.00 1.10% 1.11% $10,000 - $24,999.00 1.40% 1.41% $25,000 - $99,999.00 1.60% 1.61% $100,000 and over 2.25% 2.27% IRA and Share Certificates Minimum balance of $500.00 required Term Dividend Rate APY* 6 months 3.00% 3.04% 12 months 3.15% 3.20% 18 months 0.00% 0.00% 24months 3.40% 3.45% 36 months 3.70% 3.76% 48 months 3.70% 3.76% 60 months 3.95% 4.02% *The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for a 365 day period. For share certificates and IRA certificates, the dividend rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption the dividends will remain on deposit until maturity. A withdrawal will reduce earnings. Early Withdrawal Penalty:We may impose a substantial penalty if you withdraw any of the principal before the maturity date, or the renewal date. Annual Percentage Yield is accurate as of 04/23/2008. These rates may change at any time without prior notice. Loans You can follow this link to see our latest loan rates. Privacy policy