Deposit Rates

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Deposit Rates

Account APY*
Checking Plus Account 0.05%
Preferred Youth Checking Account 0.15%
FirstStep Youth Checking 0.15%
Freedom Youth Checking 0.15%
e-Checking - $0 to  $1,000 (paid monthly) 0.50%
e-Checking - above $1,000 (paid monthly) 0.20%

Quarterly dividend rates were declared by the Board of Directors for the quarter ending March 2025. 
Dividend for the next quarter will be declared in June 2025.

Monthly dividend rates were effective April 1, 2025.

$500 minimum balance required for dividends on the Checking Plus Account.

Fees could reduce earnings on these accounts.

The APY* is a variable rate and may change after the account is opened.

*APY = Annual Percentage Yield
Account APY*
Basic Membership Savings Account 0.03%
Preferred Youth Savings Account 0.50%
Christmas Savings Account 0.15%
Vacation Savings Account 0.15%
Quarterly dividend rates were declared by the Board of Directors for the quarter ending March 2025.
Dividend for the next quarter will be declared in June 2025.

Monthly dividend rates were effective April 1, 2025.

$100 minimum balance is required for dividends on all savings account except Preferred Youth Savings.

Fees could reduce earnings on these accounts.

The APY* is a variable rate and may change after the account is opened.

*APY = Annual Percentage Yield

Payroll Plus Savings Account
Amount Required for APY* APY*
$500 or more 0.30%
$0.01 to $499.99 0.15%

Quarterly dividend rates were declared by the Board of Directors for the quarter ending March 2025. 
Dividend for the next quarter will be declared in June 2025

$100 minimum balance is required for dividends on Payroll Plus Savings Account.
Fees could reduce earnings on these accounts.

The APY* is a variable rate and may change after the account is opened.

*APY = Annual Percentage Yield
Business Savings and Checking Accounts
Account APY*
Business Basic Savings (paid on balance over $100)
 0.03%
Business e-Checking - $0 to $1,000 (paid monthly)
 0.50%
Business e-Checking - above $1,000 (paid monthly)
 0.20%

Business Money Market
Tiers APY*
$0 - $9,999
 0.05%
$10,000 - $49,999
 0.10%
$50,000 - $99,999 0.15%
$100,000 - $499,999
 0.20%
$500,000 - $999,999
 0.25%
$1,000,000 and up
 0.30%


Quarterly dividend rates were declared by the Board of Directors for the quarter ending March 2025.
Dividend for the next quarter will be declared in June 2025.

Monthly dividends were effective April 1, 2025.

Dividends are calculated daily and paid monthly on Business e-Checking and Business Money Market.

Dividends are calculated daily, compounded and paid quarterly on Business Basic Savings.
Fees could reduce earnings on these accounts.

No minimum balance required for APY* on Business e-Checking and Business Money Market accounts.

The APY* is a variable rate and may change after the account is opened.

*APY=Annual Percentage Yield
Regular Money Market
Amount Required for APY* APY*
$0 - $9,999 0.05%
$10,000 - $49,999 0.10%
$50,000 - $99,999 0.15%
$100,000 - $499,999 0.20%
$500,000 - $999,999 0.25%
$1,000,000 and up 0.30%

Rates are effective as of April 1, 2025. 
Dividends are calculated and paid monthly.
Minimum Balance to open is $1000.
The APY is a variable rate and may change after the account is opened.

Fees could reduce earnings on this account.
*APY = Annual Percentage Yield.

Premiere Money Market
Amount Required for APY* APY*
$0 - $49,999 0.20%
$50,000 - $199,999 2.00%
$200,000 and up 3.00%

Premiere Money Market Account is available to members with a checking account or to members who deposit a minimum of $25,000 in new money in the Premiere Money Market Account.

Rates are effective as of April 1, 2025.
Dividends are calculated and paid monthly.
Minimum Balance to open is $1000 (members with a checking account) or $25,000 in new money.
The APY is a variable rate and may change after the account is opened.

Fees could reduce earnings on this account.
*APY = Annual Percentage Yield.

Specials

7 Month: 3.90% APY* 
Minimum deposit $1,000 - Maximum deposit 1,000,000.
Renews to a regular certificate with a 12-month term.
Not offered on CESA certificates. 
 
14 Month: 4.20% APY* 
Minimum deposit $1,000 - Maximum deposit $1,000,000.
Renews to a regular certificate with a 12-month term. 
Not offered on CESA certificates. 
 
33 Month: 4.00% APY* 
Minimum deposit $1,000 - Maximum deposit $1,000,000.
Renews to a regular certificate with a 36-month term.  
Not offered on CESA or Youth certificates.
 

Pay Day Certificate - 12 Month - 0.40% APY*

Minimum deposit $100  -  Requires a $10.00 minimum deposit transferred into the certificate at least monthly.
Most savings or checking accounts are available for transfer.
Transfers may occur weekly, bi-weekly, semi-monthly or monthly and must come from a non-tax favored savings or checking account.

 

Rates for Certificate Specials are effective as of April 14, 2025 and subject to change without notice.

*APY = Annual Percentage Yield. There may be a penalty for early withdrawal on certificate accounts.  Fees could reduce earning on these accounts. Dividends are calculated daily and paid monthly.

 

 

Term Minimum Balance Required for APY* APY*
6 Month $1,000+ 0.30%
12 Month Youth $100 - Minimum Opening Balance
Additions allowed to Youth Certificate
$50 Minimum Deposit		 0.40%
1 Year $1,000+ 0.40%
18 Month $1,000+ 0.45%
2 Year $1,000+ 0.50%
3 Year $1,000+ 0.60%
4 year $1,000+ 0.60%
5 Year $1,000+ 0.60%
There may be a penalty for early withdrawal on a certificate accounts.
Dividends are calculated daily and paid monthly.
Rates are effective as of April 1, 2025.
*APY = Annual Percentage Yield

Rates are subject to change without notice.

Amount Required for APY APY*
$0 - $9,999 0.05%
$10,000 - $49,000 0.10%
$50,000 - $99,999 0.15%
$100,000 - $499,999 0.20%
$500,000 - $999,999 0.25%
$1,000,000 and up 0.30%

Rates are effective as of April 1, 2025.
Dividends are calculated daily and paid monthly.
Unlimited deposits and withdrawals with no penalties as permitted by IRS
There may be a penalty for early withdrawal on certificate accounts.
Fees could reduce earnings on these accounts.
The APY* is a variable rate and may change after the account is opened.
*APY=Annual Percentage Yield.