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Deposit Products
| Share Accounts | |||
| Effective Date: Thursday, November 21st, 2024 | |||
| Name | Dividend Rate | APY | Minimum Opening Balance |
| Regular Share | 0.05% | 0.05% | $5.00 |
| Club Acounts | 0.05% | 0.05% | $0.00 |
| IRA and Roth IRA | 0.10% | 0.10% | $0.00 |
| Save to Win | 1.00% | 1.00% | $0.00 |
| The APY is a variable rate and may change quarterly after the account is opened. The minimum opening deposit for the Regular Share is $5.00 and for a Club account is $0.00. The APY is as of the 4th quarter of 2021, December 31, 2021. | |||
| Share Certificates | |||
| Effective Date: Thursday, November 21st, 2024 | |||
| Term | Dividend Rate | APY | Minimum Opening Balance |
| 3 months | 3.75% | 3.75% | $1,000.00 |
| 6 months | 3.75% | 3.75% | $1,000.00 |
| 12 months | 3.75% | 3.75% | $1,000.00 |
| 18 months | 3.50% | 3.50% | $1,000.00 |
| 24 months | 3.50% | 3.50% | $1,000.00 |
| 36 months | 3.50% | 3.50% | $1,000.00 |
| 48 months | 3.50% | 3.50% | $1,000.00 |
| The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. There will be a 10 day period to add or withdrawal from the certificate without penalty. Early withdrawal penalty is half the term of interest. | |||
| IRA Share Certificate | |||
| Effective Date: Thursday, November 21st, 2024 | |||
| Term | Dividend Rate | APY | Minimum Opening Balance |
| 3 months | 3.80% | 3.80% | $1,000.00 |
| 6 months | 3.80% | 3.80% | $1,000.00 |
| 12 months | 3.80% | 3.80% | $1,000.00 |
| 18 months | 3.55% | 3.55% | $1,000.00 |
| 24 months | 3.55% | 3.55% | $1,000.00 |
| 36 months | 3.55% | 3.55% | $1,000.00 |
| 48 months | 3.55% | 3.55% | $1,000.00 |
| The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. There will be a 10 day period to add or withdrawal from the certificate without penalty. Early withdrawal penalty is half the term of interest. | |||
*Annual Percentage Yield
Click below for additional account disclosure information
Truth-in-Savings Disclosure for share accounts and certificates
Truth-in-Savings Disclosure for Save to Win
Offical Rules for Save to Win