Savings Share Account Rates
Rates effective 1/1/2026
| Share Account Type | APR* | APY* |
|---|---|---|
| Regular Savings | 0.10% | 0.10% |
| High Yield Savings** ($1,000 – $24,999) | 0.75% | 0.75% |
| High Yield Savings** ($25,000 – $49,999) | 0.99% | 1.00% |
| High Yield Savings** ($50,000 – $99,999) | 1.69% | 1.70% |
| High Yield Savings** ($100,000 and Over) | 2.18% | 2.20% |
| Individual Retirement Account | 0.20% | 0.20% |
| Christmas Club | 0.10% | 0.10% |
| Vacation Club | 0.10% | 0.10% |
| Level-Up Checking (Non-Qualified Rate) | 0.01% | 0.01% |
| Level-Up Checking (Qualified up to $5,000) | 3.93% | 4.00% |
| Level-Up Checking (Qualified over $5,000) | 0.01% | 0.01% |
*APY=Annual Percentage Yield. Fees, if applicable, may reduce earnings.
*APR=Annual Percentage Rate.
**High Yield Savings Accounts require a $1,000 minimum balance.
Term Share Certificate Rates
Rates effective 1/1/2026
| Term | APR * | APY * |
|---|---|---|
| 3 Months | 3.45% | 3.51% |
| 6 Months | 3.44% | 3.50% |
| 12 Months | 3.20% | 3.25% |
| 24 Months | 2.96% | 3.00% |
| 36 Months | 2.72% | 2.75% |
| 48 Months | 2.47% | 2.50% |
| 60 Months | 2.47% | 2.50% |
Rates are based on the term selected and on where purchased. A minimum $500.00 deposit is required. Penalty for early withdrawal.
*APY=Annual Percentage Yield. Fees, if applicable, may reduce earnings.
*APR=Annual Percentage Rate.
Youth Share Certificate Rates
Rates effective 1/1/2026
| Term | APR * | APY * |
|---|---|---|
| 12 Months | 3.20% | 3.25% |
| 24 Months | 2.96% | 3.00% |
| 36 Months | 2.72% | 2.75% |
These Certificate Rates are only available to our youth club members 17 years old and younger. A minimum $100.00 deposit is required. Penalty for early withdrawal.
*APY=Annual Percentage Yield. Fees, if applicable, may reduce earnings.
*APR=Annual Percentage Rate.
All rates are subject to change without prior notice. Membership eligibility requirements apply. Please verify the rate at the time of purchase or enrollment
APY = Annual Percentage Yield
APR=Annual Percentage Rate