Deposit Rates

Savings rates are subject to change quarterly and without notice. Checking rates are subject to change monthly and without notice. Term Share Certificate rates are subject to change weekly and without notice. Fees, penalties or other conditions implemented could reduce the actual earnings on the account. 


























Savings rates anticipated for 1st Quarter. Actual savings rates will not be declared until March 31, 2026. Savings rates are subject to change quarterly and without notice.


 DIVIDEND RATE APY* DIVIDENDS COMPOUNDED & CREDITED




Share / Secondary Share Savings Accounts
$100.00 - $2,499.99
 0.20%
 0.20% Quarterly
Share / Secondary Share Savings Accounts $2,500.00 - $9,999.99 0.30% 0.30% Quarterly
Share / Secondary Share Savings Accounts $10,000.00 & over 0.30% 0.30% Quarterly
Club Accounts $100.00 and over 0.15% 0.15% Quarterly
IRA Savings $25.00 and over 0.25% 0.25% Quarterly

*APY – Annual Percentage Yield (Applicable when principle and interest remain on deposit.)
Checking rates effective as of January 30, 2026. Checking rates are subject to change monthly and without notice.


 DIVIDEND RATE APY* DIVIDENDS COMPOUNDED & CREDITED
Checking Accounts (applicable accounts) $1,000.00 & over 0.03% 0.03% Monthly
Advantage Checking $1,000.00 & over 0.03% 0.03% Monthly
Money Market Plus Accounts $1,000.00 - $1,999.99 0.20% 0.20% Monthly
Money Market Plus Accounts $2,000.00 - $9,999.99 0.30% 0.30% Monthly
Money Market Plus Accounts $10,000.00 - $24,999.99 0.50% 0.50% Monthly
Money Market Plus Accounts $25,000.00 - $49,999.99 1.00% 1.01% Monthly
Money Market Plus Accounts $50,000.00 - $99,999.99 1.25% 1.26% Monthly
Money Market Plus Accounts $100,000.00 - $199,999.99 2.00% 2.02% Monthly
Money Market Plus Accounts $200,000.00 and over 2.00% 2.02% Monthly
Money Market Checking Accounts $1,000.00 - $1,999.99 0.05% 0.05% Monthly
Money Market Checking Accounts $2,000.00 and over 0.10% 0.10% Monthly

*APY – Annual Percentage Yield (Applicable when principle and interest remain on deposit.)
Term Share Certificate Rates are effective January 30, 2026. Rates are subject to change without notice. A penalty may be imposed for early withdrawal. 

Term Share Certificate balances $100K and above receive a 0.10% dividend increase. 


 DIVIDEND RATE APY* DIVIDENDS COMPOUNDED & CREDITED
91 Day Term Share Certificates $1,000.00 & over 2.72% 2.78% Maturity
183 Day Term Share Certificates $1,000.00 & over 3.70% 3.75% Quarterly
12 Month Term Share Certificates $1,000.00 & over 3.75% 3.80% Quarterly
18 Month Term Share Certificates $1,000.00 & over 3.75% 3.80% Quarterly
24 Month Term Share Certificates $1,000.00 & over 3.75% 3.80% Quarterly
36 Month Term Share Certificates $1,000.00 & over 3.75% 3.80% Quarterly
48 Month Term Share Certificates $1,000.00 & over 3.75% 3.80% Quarterly
60 Month Term Share Certificates $1,000.00 & over 3.75% 3.80% Quarterly
*APY – Annual Percentage Yield (Applicable when principle and interest remain on deposit.)
IRA Certificate Rates are effective January 30, 2026. Rates are subject to change without notice. A penalty may be imposed for early withdrawal.


 DIVIDEND RATE APY* DIVIDENDS COMPOUNDED & CREDITED
12 Month IRA Term Share Certificates $1,000.00 & over 3.75% 3.80% Quarterly
24 Month IRA Term Share Certificates $1,000.00 & over 3.75% 3.80% Quarterly
36 Month IRA Term Share Certificates $1,000.00 & over 3.75% 3.80% Quarterly
*APY – Annual Percentage Yield (Applicable when principle and interest remain on deposit.)