Interest rates and APY effective as of October 21, 2025

Regular Share (savings) Account

Rate APY
Dividend declared by Board and posted to all share accounts of $100 or more on a quarterly basis .10 .10

Share Draft Checking Account

Rate APY
No limit on number of checks per month; No service/maintenance fee; Dividends declared on balances of $1,000 or more and posted monthly .10 .10

IRA Share (Savings) Accounts

Rate APY
No minimum balance. We offer Roth, Traditional, and Coverdell (education) .10 .10

Share Certificate of Deposit (CD)

 

  Rate APY
Builders / $250 minimum deposit 3.75 3.80
90 day / $500 minimum deposit .50 .50
120 day / $500 minimum deposit 2.25 2.27
6 month / $500 minimum deposit 4.00 4.06
9 month / $1,000 minimum deposit* 2.75 2.80
12 month / $1,000 minimum deposit* 3.75 3.80
18 month / $1,000 minimum deposit* 3.75 3.80
24 month / $1,000 minimum deposit 3.00 3.03
30 month / $1,000 minimum deposit 2.25 2.27
36 month / $1,000 minimum deposit 2.25 2.27

Christmas Club Share Accounts

Rate APY
Funds transfer to share account on October 1 .10 .10

Stash Share Accounts

Rate APY
Funds transfer to share account on January 1 and July 1 .10 .10

Vacation Share Account

Rate APY
Funds transfer to Share Account on June 1 .10 .10