Savings Rates
Share and Holiday Club Dividends
| Balance | APR* | APY** |
|---|---|---|
| $100.00 | 0.25% | 0.25% |
Dividends on Shares and Holiday Club Accounts are earned on the average daily balance and paid quarterly. Annual Percentage Yield (APY) assumes that dividends remain on deposit for one year. Rates quoted are those paid at the most recent quarter end and expected to be paid for the current quarter. However, because dividends are paid out of current income and established quarterly by the Board of Directors, rates are not guaranteed for the current quarter.
Term Share Certificates
| Term | APR* | APY** |
|---|---|---|
| 1 year | 3.25% | 3.25% |
Minimum deposit $1,000.00. Dividends credited quarterly and must be left on deposit to earn stated APY. Rates are subject to change without advance notice and reflect market conditions.
Rate for a certificate is established on the date that the certificate is opened. The rate is constant for the term of the certificate. Substantial penalties are applied to Term Share Certificates including IRA accounts if funds are withdrawn prior to maturity.
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. *** Prime rate is 6.75% effective 12/11/2025 as published in the Wall Street Journal. The maximum ANNUAL PERCENTAGE RATE that can apply is 18% or the maximum permitted by law, whichever is less.