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Deposit Rates

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Share and Share Draft

Share and Share Draft Rates
TypeMinimum Balance
to Earn Rate
RateAPY*
Shares$2000.01%0.01%
Clubs$2000.01%0.01%
Escrow$00.50%0.501%
IRA Shares$2000.01%0.01%
Advantage Checking$1,0000.01%0.01%
Gold Star Money Market$2,0000.01%0.01%
Gold Star Money Market$20,0002.00%2.018%
Gold Star Money Market$50,0002.25%2.273%
Gold Star Money Market$100,0002.50%2.529%

*APY = Annual Percentage Yield.

Dividends are compounded and paid monthly.

Dividends are calculated on a day in day out basis on the account balance.

For variable rate accounts, the rate may change after the account is opened. Fees or other conditions may reduce the earnings on the above accounts. Annual Percentage Yield (APY) assumes all interest and principal remain on deposit for one year. Early withdrawal of principal or dividends will reduce the stated APY. The minimum opening balance for a Regular Share Account is $25.00. The minimum balance to earn dividends on a Gold Star Money Market Account is $2,000. Rates are subject to change at any time.

Regular Certificates

Regular Certificates Rates
TermRateAPY*
12 Months3.75%3.815%
18 Months3.75%3.815%
24 Months3.75%3.815%
30 Months3.40%3.453%
36 Months3.65%3.712%
42 Months3.65%3.712%
48 Months3.70%3.763%
54 Months3.70%3.763%
60 Months3.70%3.763%
0.25% bonus on $50,000–$99,999.99. 0.50% bonus on $100,000 and over.

*APY = Annual Percentage Yield.

Minimum balance on all share certificates: $1,000

Interest paid: Monthly

For certificate accounts, there is a substantial penalty for early withdrawal. Fees or other conditions may reduce the earnings on the above accounts. Annual Percentage Yield (APY) assumes all interest and principal remain on deposit for one year. Early withdrawal of principal or dividends will reduce the stated APY. Rates are subject to change at any time.

IRA Certificates

IRA Certificates Rates
TermRateAPY*
12 Months3.75%3.815%
18 Months3.75%3.815%
24 Months3.75%3.815%
30 Months3.40%3.453%
36 Months3.65%3.712%
42 Months3.65%3.712%
48 Months3.70%3.763%
54 Months3.70%3.763%
60 Months3.70%3.763%
0.25% bonus on $50,000–$99,999.99. 0.50% bonus on $100,000 and over.

*APY = Annual Percentage Yield.

Minimum balance on all share certificates: $1,000

Interest paid: Monthly

For certificate accounts, there is a substantial penalty for early withdrawal. Fees or other conditions may reduce the earnings on the above accounts. Annual Percentage Yield (APY) assumes all interest and principal remain on deposit for one year. Early withdrawal of principal or dividends will reduce the stated APY. Rates are subject to change at any time.