Shares and Certificates

Share TypeAPY Rate, As High As
Prime & Sub Shares, and Vacation & Christmas Clubs0.05%
IRA0.05%
Money Market -
$0 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000+
Rates are plateaued

0.10%
0.50%
0.75%
1.01%
Annual percentage yield subject to change based on rate.
Share rates effective as of February 1, 2025.

Share & IRA CertificatesBase RateAPY, as high as
6 month1.75%1.77%
6 month Certificate Special
3.30%*3.36%
9 month Certificate Special3.20%*3.25%
12 month2.60%2.63%
24 month2.65%2.69%
36 month2.70%2.74%
48 month2.75%2.79%
60 month2.80%2.84%
Certificate rates effective as of February 1, 2025.*$500 minimum. Additional terms and conditions apply.

*APY – Annual Percentage Yield or the effective annual rate of return taking into account the effect of compounding or simple interest. This rate is available for a limited time, and is subject to end or change without notice. Rates are current as of January 3, 2025. Minimum deposit of $500 required. Dividends compound on a monthly frequency. Penalty may be applied if withdrawals are made prior to end of term. Other restrictions may apply.