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Certificate Rates

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Effective February 01, 2021 

TERM NON-COMPOUNDING APY COMPOUNDING APY
6 MONTH 0.25%* 0.25%* 0.25% 0.25%
9 MONTH 0.25%* 0.25%* 0.25% 0.25%
12 MONTH 0.30%** 0.30%** 0.30%** 0.30%**
18 MONTH 0.30%* 0.30%* 0.30% 0.30%
24 MONTH 0.30%* 0.30%* 0.30% 0.30%
27 MONTH 0.40%* 0.40%* 0.40% 0.40%
36 MONTH 0.40%* 0.40%* 0.40% 0.40%

A minimum balance of $1,000 is required to be maintained for all regular Share Certificates. A minimum balance of $300 is required to be maintained for regular Share Certificates on minor accounts (Age 0-18)

The MAXIMUM for NEW CD PURCHASES, not renewals, will be $25,000.00 per member every calendar month.

*Dividend payments are mandatory, but the dividends cannot remain in the account. A penalty may be imposed for early withdrawal.

** 12 month CD has 1 time penalty-free withdrawal.

IRA CERTIFICATES OF DEPOSIT

Term Minimum Balance Dividend Rate APY
LAST DIVIDEND DECLARATION DATE: December 31, 2020
IRA Share Account $25 minimum balance .20% .20%
PROSPECTIVE DIVIDEND RATE & APY: March 31, 2021
IRA Share Account $25 minimum balance 0.20% 0.20%
18-Month IRA CD $500 minimum balance 0.30%* 0.30%*
24-Month IRA CD $500 minimum balance 0.30%* 0.30%*
36-Month IRA CD $500 minimum balance 0.40%* 0.40%*
48-Month IRA CD $500 minimum balance 0.40%* 0.40%*
60-Month IRA CD $500 minimum balance 0.45%* 0.45%*

*A penalty may be imposed for early withdrawal.

Contact an Employee about applicable fees and terms.