Savings Rates

Savings Rates

Share Savings Accounts

Rates Effective: December 3, 2018
SharesDividend RateAPY*
Primary Savings.05%.05%
IRA Savings.05%.05%
Special Purpose Savings.05%.05%
Loan Payment.05%.05%
Holiday Club.05%.05%
Escrow.10%.10%

To earn dividends, the following minimum balances are required: $100 for Primary Savings, $25 for IRA Savings, Special Purpose Savings and Holiday Club. No minimum balance is required to earn dividends for Loan Payment and Escrow Accounts. Dividend rate may change after the account is opened.

Checking Accounts

Rates Effective: December 3, 2018
AccountTierBalanceDividend RateAPY*
Accelerated CheckingTier 1$0.00 - $5,000.00.05%.05%
 Tier 2$5,000.01 - $10,000.00.08%.08%
 Tier 3$10,000.01 and greater.10%.10%
Advantage Checking.05%.05%

Must maintain an average daily balance of $5,000 in Accelerated Checking and $1,000 in Advantage Checking to avoid a monthly fee. Fees charged will reduce earnings. No minimum balance required to earn dividends on either the Accelerated or Advantage Checking Account. Dividends are earned based on the average daily balance in the account. Dividend rate may change after the account is opened.

Money Market Accounts

Rates Effective: December 3, 2018
AccountTierBalanceDividend RateAPY*
Maxi Money Market **Tier 1$2,500.00 - $9,999.99.30%.30%
 Tier 2$10,000.00 - $24,999.99.40%.40%
 Tier 3$25,000.00 - $49,999.99.50%.50%
 Tier 4$50,000.00 - $99,999.99.60%.60%
 Tier 5$100,000.00 and greater.70%.70%
25 Karat Money Market***Tier 1$0.00 - $49,999.99.60%.60%
 Tier 2$50,000.00 - $99,999.99.75%.75%
 Tier 3$100,000.00 - $199,999.99.85%.85%
 Tier 4$200,000.00 - $299,999.991.00%1.00%
 Tier 5$300,000.00 and greater1.24%1.25%

Dividend rate may change after the account is opened.

Certificate Rates

Share Certificates

Rates Effective: December 3, 2018
TermDividend RateAPY*
3 Months.25%.25%
6 Months.40%.40%
9 Months.50%.50%
11 Months Special Rate**2.71%2.75%
12 Months.75%.75%
Jumbo Certificate (12 Months)Please Call for RatePlease Call for Rate
Save to Win (12 Months).75%.75%
Youth Certificate (12 Months).75%.75%
18 Months1.24%1.25%
24 Months1.34%1.35%
36 Months1.48%1.50%
48 Months1.73%1.75%
60 Months1.98%2.00%

A $1,000 minimum balance is required to earn dividends, except for Youth Certificates which is $500, Save to Win Certificates which is $25, and Jumbo Certificates which is $100,000. A certificate dividend penalty will be imposed for early withdrawal and will affect APY*; fees may reduce earnings. Rates are fixed for the term of the share certificate.
**11 Month Special Rate is available for a limited time only. Certificate will renew at a 12 month term upon maturity and will earn the 12 Month rate available on that date.

IRA Certificates

Rates Effective: December 3, 2018
TermDividend RateAPY*
3 Months.25%.25%
6 Months.40%.40%
9 Months.50%.50%
11 Months Special Rate**2.71%2.75%
12 Months.75%.75%
18 Months1.24%1.25%
24 Months1.34%1.35%
36 Months1.48%1.50%
48 Months1.73%1.75%
60 Months1.98%2.00%

A $500 minimum balance is required to earn dividends. A certificate dividend penalty will be imposed for early withdrawal and will affect APY*; fees may reduce earnings. Rates are fixed for the term of the IRA certificate.
**11 Month Special Rate is available for a limited time only. Certificate will renew at a 12 month term upon maturity and will earn the 12 Month rate available on that date.

* ANNUAL PERCENTAGE YIELD
** $2,500 minimum balance required to earn dividends.
*** $25,000 balance required to open account; dividends are earned on $.01 and greater. If the balance falls below $25,000 at any time during the month, a $20 fee will be assessed.

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