Effective January 1, 2023


Account TypeAPY*APR
Primary Savings
If balance is $25.00 – $3,000.000.35%0.35%
If balance is $3,000.00 – $10,000.000.40%0.40%
If balance is $10,000.00 and up0.45%0.45%
(Rate based on total account balance)
Youth Savings0.45%0.45%
HSA Account1.50%1.51%
IRA Savings Account1.50%1.51%


Account TypeAPY*APR
Regular Checking0.00%0.00%
Money Max Truncated0.00%0.00%
Money Max Non-Truncated0.00%0.00%

Money Market

Account TypeAPY*APR
Money Market
If balance is $500.00 – $10,000.000.40% 0.40%
If balance is $10,000.01 – $15,000.000.50%0.50%
If balance is $15,000.01 and up0.60%0.60%
(Rate based on total account balance)
Jumbo Money Market (minimum $15,000)0.70%0.70%

Share Certificates

Certificate TypeTermAPY*APR
91-Day Share Certificate3 Months1.0%1.0%
182-Day Share Certificate6 Months1.30%1.30%
1-Year Share Certificate12 Months2.0%2.0%
2-Year Share Certificate24 Months2.25%2.25%
Minimum $500 to open and earn dividends

APY is the Annual Percentage Yield. Dividends on your savings are calculated daily, paid monthly, and are shown on your quarterly statement. Fees could reduce earnings on the account. Rates may change after the account is opened. APY (only for Share Accounts) is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is longer). For example, $10,000 @ 6.000% for 2 years compounded monthly, produces a 6.17% APY which returns a total of $11,272.07 after 2 years.