Share Deposit Rates
As of December 13, 2025
Savings Rates
| Account |
Minimum Opening Deposit |
Average Daily Balance Required To Earn APY |
Annual Percentage Yield* |
Dividend Rate |
| Share Accounts |
$5.00 |
— |
0.30% |
0.30% |
| Youth Share Accounts (members up to age 21**) |
$5.00 |
up to $1,000.00***
$1001.00 and over |
3.03%
0.30% |
3.00%
0.30% |
| Share Draft Checking |
|
$300.00 and over |
0.25% |
0.25% |
| Individual Retirement Accounts |
$5.00 |
— |
0.50% |
0.50% |
*APY is the annual percentage yield. Dividend rates are declared quarterly and paid on the first day of the following calendar quarter. Dividends were compounded daily and were paid at the above rates. Rates may change after the account is opened. APY is accurate as of the above listed date.
**Custodial, and Burial accounts are considered shares so these rates are the same as the Regular Shares.
***For members up to the age of 21, paid on average daily balances up to $1000, for the balance in excess of $1000, regular share rates apply. Little Ivy, Appleseed, and Teen accounts are considered Youth shares, however, existing members must request the switch from 01 to 02 in writing to earn the higher dividend rate.
IRA & Share Certificate Rates
| Account |
Minimum Opening Deposit |
Minimum Balance |
Term(months) |
Dividend Rate |
| 12-Month Share Certificate |
$500 |
$500 |
12 |
3.50% |
| 24-Month Share Certificate |
$500 |
$500 |
24 |
Not Offered |
| 36-Month Share Certificate |
$500 |
$500 |
36 |
Not Offered |
| 60-Month Share Certificate |
$500 |
$500 |
60 |
Not Offered |
|
|
|
|
|
| IRA 12-Month Share Certificate |
$500 |
$500 |
12 |
3.50% |
| IRA 24-Month Share Certificate |
$500 |
$500 |
24 |
Not Offered |
| IRA 36-Month Share Certificate |
$500 |
$500 |
36 |
Not Offered |
| IRA 60-Month Share Certificate |
$500 |
$500 |
60 |
Not Offered |
|
|
|
|
|
Certificate interest is not compounded. There is an early withdrawal penalty of 90 days’ interest.
