Share Certificate Rates

The following rates are effective as of

Rates illustrated below are the Annual Percentage Rates (APR).

Minimum deposit to open a share certificate, including IRA share certificates, is $500.

 

Amount Term Rate APY
$1,000 - $4,999 6 months 0.75% 0.75%
  12 months 1.50% 1.51%
  18 months 1.65% 1.66%
  24 months 2.00% 2.02%
  36 months 2.25% 2.27%
  48 Months 2.42% 2.44%
  60 Months 2.42% 2.44%
$5,000 - $24,999 6 months 0.90% 0.90%
  12 months 1.75% 1.76%
  18 months 1.75% 1.76%
  24 months 2.10% 2.12%
  36 months 2.35% 2.37%
  48 months 2.47% 2.49%
  60 months 2.47% 2.49%
$25,000 - $49,999 6 months 0.95% 0.95%
  12 months 1.85% 1.86%
  18 months 1.85% 1.86%
  24 months 2.15% 2.17%
  36 months 2.45% 2.47%
  48 months 2.52% 2.54%
  60 months 2.52% 2.54%
$50,000 -$99,999 6 months 1.25% 1.26%
  12 months 2.00% 2.02%
  18 months 2.10% 2.12%
  24 months 2.25% 2.27%
  36 months 2.55% 2.57%
  48 months 2.57% 2.59%
  60 months 2.57% 2.59%
$100,000 + 6 months 1.85% 1.86%
  12 months 2.10% 2.12%
  18 months 2.10% 2.12%
  24 months 2.45% 2.47%
  36 months 2.65% 2.68%
  48 months 2.70% 2.73%
  60 months 2.70% 2.73%

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We may impose a penalty if you withdraw from your account before the maturity date. The penalty amount for share certificate accounts may be up to 365 day's dividends. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal Disclosures