Share Rates
*Annual percentage yield is accurate as of October 1, 2025. Rates and other terms may change at any time without prior notice. Fees could reduce earnings on the account.
| Account Type | Minimum Opening Deposit | Limitations* | Dividend Rate | APY* |
|---|---|---|---|---|
| Regular Share/Savings | $25.00 | Transfer & Withdrawal* | 0.20% | 0.20% |
| Christmas Club | — | Transfer & Withdrawal* | 0.20% | 0.20% |
| IRA Savings | — | — | 0.30% | 0.30% |
| Share/Draft Checking | — | — | 0.05% | 0.05% |
Dividends will be compounded quarterly and will be credited quarterly.
*Annual percentage yield is accurate as of September 22, 2025. Rates and other terms may change at any time without prior notice. *$500.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Additional deposits are NOT allowed.
- Dividends will be compounded daily and will be credited at maturity.
- If you close your share account before dividends are paid, you will not receive the accrued dividends.
| Terms | Dividend Rate | APY* | Renewable |
|---|---|---|---|
| Share – 6 Months | 2.50% | 2.53% | Automatic |
| Share – 12 Months | 3.00% | 3.05% | Automatic |
| Share – 24 Months | 3.10% | 3.15% | Automatic |
| Share – 36 Months | 3.10% | 3.15% | Automatic |
| IRA – 6 Months | 2.50% | 2.53% | Automatic |
| IRA – 12 Months | 3.00% | 3.05% | Automatic |
| IRA – 24 Months | 3.10% | 3.10% | Automatic |
| IRA – 36 Months | 3.10% | 3.15% | Automatic |
*For additional information regarding the above accounts, please refer to the Truth-In-Savings and Fee Schedule.