Rates effective as of
February 17, 2019
| Certificate Specials | Minimum to Earn APY | APY |
| 12-Month Standard or IRA Certificate | no minimum | 1.20% |
| 24-Month Standard or IRA Certificate | no minimum | 2.40% |
| 36-Month Standard or IRA Certificate | no minimum | 3.00% |
| Savings Products | Minimum to Earn APY | APY |
| Share Savings | $400 | 0.05% |
| Christmas Club | $400 | 0.05% | Health Savings Account | $400 | 1.25% |
| Checking Products | Minimum to Earn APY | APY |
| Free Checking | N/A | |
| Ultimate Personal Checking* | $0 - $4,999 $5,000 - $99,999 $100,000+ |
0.00% 1.00% 2.00% |
| IRA Accounts | Minimum to Earn APY | APY |
| Traditional/ROTH IRA Savings | $400 - $14,999 $15,000+ |
0.05% 0.10% |
| Coverdell Savings | $400 - $14,999 $15,000+ |
0.05% 0.10% |
| Term Share Certificates | Minimum to Earn APY | Term | APY |
| Standard/IRA Certificate | $500 |
1-2 Months 3-5 Months 6-11 Months 12-17 Months 18-23 Months 24-29 Months 30-35 Months 36-47 Months 48-59 Months 60-71 Months 84 Months 120 Months |
0.05% 0.05% 0.10% 0.85% 1.50% 1.75% 1.76% 1.80% 1.85% 1.90% 1.91% 2.25% |
| Tax-Deferred Certificate | $500 | 15 Months | 0.95% |
| Jumbo Standard/IRA Certificate | $250,000 |
36-47 Months 48-59 Months 60-71 Months 84 Months 120 Months |
2.05% 2.10% 2.15% 2.16% 2.50% |
APY is Annual Percentage Yield
*If the account balance falls below $5,000 at any point during the month, a minimum balance fee will be assessed and a dividend rate of 0.00% will be applied. Rates subject to change at any time.