Share Savings, Share Draft, and Club Accounts

Effective February 14, 2025

Rates are subject to change without notice.

The minimum amount to open a Share Savings Account is $5.00. 
To open a Share Draft, Club Account, or Certificate, you must have a Share Savings Account with a minimum balance of $5.00.

Share & club accounts
Account Type Dividends compounded Minimum Amount to Receive Dividends Dividend Rate APY**
Share Savings (21 and over) Monthly $100.00 0.15% 0.15%
Share Savings (Under 21) Monthly $5.00 0.15% 0.15%
Open Club (21 and over) Monthly $100.00 0.15% 0.15%
Open Club (Under 21) Monthly $5.00 0.15% 0.15%
Christmas Club² Monthly Not Applicable 1.00% 1.00%
Tax & Insurance Club Monthly $100.00 0.15% 0.15%
IRA Club Savings Monthly Not Applicable 3.00% 3.04%
Kangaroo Kids Club Junior Savers Teen Cents Club Monthly $5.00 0.20% 0.20%
Basic Checking (Share Draft) N/A Not Applicable N/A N/A
Preferred Checking (Share Draft) Monthly $1,000.00 0.15% 0.15%
Preferred Plus Checking (Share Draft) Monthly $2,500.00 0.15% 0.15%
Premier Checking (Share Draft)³ Monthly $5,000.00 0.20% 0.20%
Premier Share Savings³
(Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive rate)		 Monthly <$5,000.00 0.20% 0.20%
$5,000.00 - $10,000.00 0.22% 0.22%
>$10,000.00 0.25% 0.25%
Premier IRA Club Savings³
(Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate)		 Monthly <$25,000.00 3.00% 3.04%
$25,000.00 -$50,000.00 3.10% 3.14%
$50,000.00 -$75,000.00 3.15% 3.20%
$75,000.00 - $100,000.00 3.20% 3.25%
>$100,000.00 3.25% 3.30%
2 Funds Available on the first business day in October

3Premier Account Rates – Personal Accounts Only – Minimum of $5000.00 must be maintained in your Premier Checking account to receive Premier Checking, Savings, IRA, And Share Certificate Rates

Share Certificate Rates

Share certificate
Term Required Deposit Dividend Rate APY** Dividend Rate with Premier Account*** APY** with Premier Account***
6 Month $2,000.00 to $9,999.00 3.30% 3.33% 3.35% 3.38%
$10,000.00 to $49,999.00 3.30% 3.33% 3.35% 3.38%
$50,000.00 and up 3.30% 3.33% 3.35% 3.38%
12 Month $2,000.00 to $9,999.00 2.10% 2.11 2.15% 2.16%
$10,000.00 to $49,999.00 2.50% 2.52% 2.55% 2.57%
$50,000.00 and up 2.90% 2.92% 2.95% 2.97%
18 Month $2,000.00 to $9,999.00 1.80% 1.81% 1.85% 1.86%
$10,000.00 to $49,999.00 1.90% 1.91% 1.95% 1.96%
$50,000.00 and up 2.00% 2.01% 2.05% 2.06%
24 Month OR 36 Month $2,000.00 to $9,999.00 1.85% 1.86% 1.90% 1.91%
$10,000.00 to $49,999.00 1.95% 1.96% 2.00% 2.01%
$50,000.00 and up 2.05% 2.06% 2.10% 2.11%

Share Certificate Special Youth Accounts

Youth share certificate
Term Required Deposit Dividend Rate APY*
6 Month Teen Cents Club
Junior Savers
Kangaroo Kids Club
Minimum $100.00 Maximum $5,000.00 (Aggregate)		 5.00% 5.06%
For all deposit accounts, you must be a member with a share savings account with a minimum balance of $5.00.  
For Share Certificates:
- Dividends Compounded Semi-Annually
- Subject to penalty for early withdrawal
- Fees may reduce earnings on the account