Savings Rates

Deposits - Rates Effective October 1, 2025

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    Term Share Certificates

    Term Share CertificatesBalance to Earn DividendsTermAPY*Int Rate
    Term Share Certificates$500 - $49,999.996 Months3.60%3.54%
    12 Months3.75%3.69%
    24 Months3.55%3.49%
    36 Months3.50%3.45%
    48 Months3.40%3.35%
    60 Months3.30%3.25%
    Term Share Certificates$50,000.00 - $99,999.996 Months3.65%3.59%
    12 Months3.80%3.74%
    24 Months3.60%3.54%
    36 Months3.55%3.49%
    48 Months3.45%3.40%
    60 Months3.35%3.30%
    Term Share Certificates$100,000.00 and up6 Months3.70%3.64%
    12 Months3.85%3.78%
    24 Months3.65%3.59%
    36 Months3.60%3.54%
    48 Months3.50%3.45%
    60 Months3.40%3.35%
    IRA Term Share Certificates$500.00 - $49,999.996 months3.70%3.64%
    12 months3.85%3.78%
    24 months3.65%3.59%
    36 months3.60%3.54%
    48 months3.50%3.45%
    60 months3.40%3.35%
    IRA Term Share Certificates$50,000.00 - $99,999.996 months3.75%3.69%
    12 months3.90%3.83%
    24 months3.70%3.64%
    36 months3.65%3.59%
    48 months3.55%3.49%
    60 months3.45%3.40%
    IRA Term Share Certificates$100,000 and up6 months3.80%3.74%
    12 months3.95%3.88%
    24 months3.75%3.69%
    36 months3.70%3.64%
    48 months3.60%3.55%
    60 months3.50%3.45%

    Savings

    ServiceMinimum to OpenBalance To Earn DividendsAPY*Dividend Rate
    Regular Share Savings$5$100-$4,999.990.10%0.10%
    $5,000-$24,999.990.10%0.10%
    $25,000+0.10%0.10%
    WILD Savings$5$5 - $4,999.990.10%0.10%
    $5,000.00-$24,999.990.10%0.10%
    $25,000.00+0.10%0.10%
    Roth Money Fund IRA$25N/A0.25%0.25%
    Educational IRA$25N/A0.25%0.25%
    IRA Savings$50N/A0.15%0.15%
    Christmas Club$25$1000.15%0.15%
    Money Market**N/A$100-$999.990.01%0.01%
    $1000+0.05%0.05%
    Money Market Plus***$2,500$0.01-$2,499.990.00%0.00%
    $2,500.00-$4,999.990.05%0.05%
    $5,000.00-$9,999.990.10%0.10%
    $10,000.00-$24,999.990.15%0.15%
    $25,000.00-$49,999.990.20%0.20%
    $50,000.00-$99,999.990.25%0.25%
    $100,000.00+0.30%0.30%

    Checking

    ServiceMinimum to OpenBalance To Earn DividendsAPY*Dividend Rate
    Emerald+ Checking$25.00$.01-$2,499.990.00%0.00%
    $2,500.00-$9,999.990.05%0.05%
    $10,000.00-$24,999.990.10%0.10%
    $25,000.00-$49,999.990.15%0.15%
    $50,000.00+0.20%0.20%
    Emerald Checking$25N/AN/AN/A
    reSource Checking$25N/AN/AN/A
    Select Checking$25N/AN/AN/A

    * APY=Annual Percentage Yield. Early withdrawal from a term share certificate will result in a dividend penalty.

    ** If the Money Market balance falls below $1,000, the dividends earned will equal those of the Member's Advantage Checking. This account is no longer available for opening. Disclosed rates are for existing Money Market accounts only.

    *** A $25 fee will be assessed if the balance in the Money Market Plus account falls below $2,500.

    All rates and terms are subject to change without prior notice.

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