Personal Account Rates

Checking Rates

Minimum Opening Deposit Dividend APY Minimum Balance
$ 0.01 – $999.99 0.20% 0.20% $0
$1,000.00 + 0.35% 0.35% $1,000

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees.

Platinum Rewards Checking Account Members receive a 0.15% increase in current Share Certificate Rates.
See Share Certificate Specials

REGULAR SHARE DRAFT ACCOUNTS ARE NON-DIVIDEND BEARING
No minimum balance is required. Unlimited number of drafts.

Savings Rates

Minimum Opening Deposit Dividend APY Minimum Balance
$0.01 – $2,499.99 0.85% 0.85% $0
$2,500.00 – $49,999.99 1.14% 1.15% $2,500
$50,000.00 – $99,999.99 1.29% 1.30% $50,000
 $100,000.00 + 1.39% 1.40% $100,000

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees.

Type Dividend APY Minimum Balance
Regular Shares
$5.00-$999.99
0.11% 0.11% $5.00
Regular Shares
$1000.00 and Above
0.16% 0.16% $1000.00
Christmas Club 0.65% 0.65% None
Vacation Club 0.65% 0.65% None
Share IRA
$0.01-$9,999.99
$10,000 +

0.90%
1.00%

0.90%
1.00%
None
$10,000 +
HSA Account 1.00% 1.00% None

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. Dividends are paid at the end of each month. Dividends are computed on the average daily balance.

IRA & Share Certificate Rates

Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
$500 $500 1.49% 1.50%
$10,000 $10,000 1.54% 1.55%
$75,000 $75,000 1.59% 1.60%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. Add 0.15% APR for Platinum Rewards Checking Members. Add 0.10% APR for Grandfathered Nifty Fifty Accounts

Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
$500 $500 1.64% 1.65%
$10,000 $10,000 1.69% 1.70%
$75,000 $75,000 1.74% 1.75%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. Add 0.15% APR for Platinum Rewards Checking Members. Add 0.10% APR for Grandfathered Nifty Fifty Accounts

Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
$500 $500 1.74% 1.75%
$10,000 $10,000 1.79% 1.80%
$75,000 $75,000 1.83% 1.85%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. Add 0.15% APR for Platinum Rewards Checking Members. Add 0.10% APR for Grandfathered Nifty Fifty Accounts

Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
$500 $500 1.88% 1.90%
$10,000 $10,000 1.93% 1.95%
$75,000 $75,000 1.98% 2.00%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. Add 0.15% APR for Platinum Rewards Checking Members. Add 0.10% APR for Grandfathered Nifty Fifty Accounts

Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
$500 $500 1.98% 2.00%
$10,000 $10,000 2.08% 2.10%
$75,000 $75,000 2.18% 2.20%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. Add 0.15% APR for Platinum Rewards Checking Members. Add 0.10% APR for Grandfathered Nifty Fifty Accounts

Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
$500 $500 2.28% 2.30%
$10,000 $10,000 2.37% 2.40%
$75,000 $75,0000 2.47% 2.50%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. Add 0.15% APR for Platinum Rewards Checking Members. Add 0.10% APR for Grandfathered Nifty Fifty Accounts

Share Certificate Specials

Applies to Regular, Traditional, Roth, SEP, Coverdell, & HSA Share Certificates.  
Term Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
9 Month $500 $500 4.75% 4.85%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. Add 0.10% APR for Grandfathered Nifty Fifty Accounts. No Maximum deposits.

Term Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
42 Month $500 $500 3.45% 3.50%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. Add 0.10% APR for Grandfathered Nifty Fifty Accounts. No Maximum deposits.

Platinum Rewards Checking Share Certificate Specials**

**Member must have a Platinum Rewards Checking Account to qualify for 0.15% rate increase listed below.
Increased rates are displayed in the chart below.
Platinum Rewards Checking Account Members (50+)

Term Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
9 Month $500 $500 4.90% 5.01%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.

Term Minimum Opening Deposit Minimum Balance to Earn APY Dividend Rate APY
42 Month $500 $500 3.60% 3.66%

APY – means Annual Percentage Yield.  Rates are subject to change without notice.  Earnings can be reduced due to activity fees. No maximum deposits.

*APY= Annual Percentage Yield.  APY is subject to change without notice.  Applies to Regular, Traditional, Roth, SEP, Coverdell, & HSA Share Certificates.  Penalty for early withdrawal on all certificate products. For all certificate rates and terms certain restrictions may apply. Minimum deposit $500 or otherwise specified. Rates as of 02/16/2024.  No Maximum deposits. Federally Insured by NCUA.