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Rates

Deposit Rates

Savings Rates

Rates effective September 1, 2018

  Account Type  Min. Balance  Dividend Rate  APY *
Regular Savings$100.30%.30%   
Kids Savings$25.30%.30%   
Holiday Club$25.30%.30%   
Health Savings Account 1.49%1.50%   
APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.

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Certificates

Rates effective September 1, 2018

  Account Type  Min. Balance  Dividend Rate  APY *
19 Month Certificate Special with Checking and Direct Deposit $10,0002.47%2.50%   
19 Month Certificate Special without Checking and Direct Deposit $10,0001.98%2.00%   
90 Days$2,500.70%.70%   
6 Month$2,5001.39%1.40%   
1 Year$1,0001.79%1.80%   
18 Months$1,0002.08%2.10%   
2 Year$1,0002.47%2.50%   
3 Year$1,0002.67%2.70%   
5 Year$1,0002.96%3.00%   
APY * = Annual Percentage Yield. Penalty for early withdrawal.

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IRA (Traditional, Roth or Coverdell Education Savings Account)

Rates effective September 1, 2018

  Account Type  Min. Balance  Dividend Rate  APY *
19 Month Certificate Special with Checking and Direct Deposit $10,0002.48%2.50%   
19 Month Certificate Special without Checking and Direct Deposit $10,0001.985%2.00%   
1 Year$1,0001.79%1.80%   
18 Month$1,0002.08%2.10%   
2 Year$1,0002.48%2.50%   
3 Year$1,0002.67%2.70%   
5 Year$1,0002.97%3.00%   
Accumulator IRA (Traditional & Roth Only)None.35%.35%   
Coverdell Education Savings AccountNone.35%.35%   
Members Choice Money Market (With Active Checking)$150,0001.34%1.35%   
Members Choice Money Market(1)(With Active Checking)$75,0001.09%1.10%   
Member’s Choice Money Market (Without Checking Account)$150,000.84%.85%   
Member’s Choice Money Market(1) (Without Checking Account)$75,000.60%.60%   
Ultimate IRA Money Market (2)$15,000.70%.70%   
Affordable IRA Money Market (3)$7,500.55%.55%   
(1) Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.

APY * = Annual Percentage Yield 

Penalty for early withdrawal on IRA Certificates.

Rates on non-certificate IRAs may change after account opening and fees may reduce earnings. 

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Money Market Rates

Rates effective September 1, 2018

  Account Type  Min. Balance  Dividend Rate  APY *  Notes
Members Choice Money Market (1)$150,0001.34%1.35%With Active Checking   
 $75,0001.09%1.10%With Active Checking   
 $150,000.84.85%Without Active Checking   
 $75,000.60%.60%Without Active Checking   
Ultimate Money Market (2)$15,000.70%.70%    
Affordable Money Market (3)$7,500.55%.55%    
First Choice Money Market Savings$10,000.50%.50%    
(1) Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.

APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.

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Checking Rates

Rates effective September 1, 2018

  Account Type  Min. Balance  Dividend Rate  APY *
Member's Choice (4)All Balances.25%.25%   
Direct Benefit & Regular Checking$5,000+.15%.15%   
 $500 - $4,999.99.05%.05%   
Free Checking$00.00%0.00%   
(4) Minimum combined loan and/or deposit balance required to open and maintain account.
Rates may change after account opening and fees may reduce earnings.

APY * = Annual Percentage Yield

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Corporate Checking

Rates effective September 1, 2018

  Account Type  Min. Balance  Dividend Rate  APY *
Tier 1$2,500.05%.05%   
Tier 2$25,000.20%.20%   
Tier 3$50,000.30%.30%   
APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.
 

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