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Checking Savings Certificate Account

Rewards Account

For ages 18 & above. Three different tiers of dividends, up to 1.50% APY, based on monthly qualifications. Plus ATM fee refunds up to $25/month if qualifications are met.

Regular Checking

For ages 18 & above. Dividends earned on average daily balance of $500 or more. No monthly service fee.

APY: 0.05%

Student Account

For students age 13 to 21. Higher dividend and ATM & International Transaction fees refunded up to $25/month with estatements and 5 signature based debit card transactions per month.

APY: 0.05%

Christmas Club

Make deposits any time and earn dividends on entire balance.

APY: 0.05%

Vacation Club

Make deposits any time and earn dividends on entire balance.

APY: 0.05%

Money Market

$5,000 minimum balance to avoid $5 low balance fee.

Max APY: 0.30% Min Deposit: $0.00

WINcentive Savings

WINcentive is a prize-linked savings account that offers the chance to win cash prizes. It requires $5 to open and allows unlimited deposits during the 12-month savings period.

APY: 0.05% Min Deposit: $5.00

Share Savings

Dividends earned when the average daily balance is $100 or more.

APY: 0.05%

6mo Share Certificate

$500 minimum deposit to open

Max APY: 0.25% Min Deposit: $0.00

12mo Share Certificate

$500 minimum deposit to open

Max APY: 0.25% Min Deposit: $0.00

18mo Share Certificate

$500 minimum deposit to open

Max APY: 0.35% Min Deposit: $0.00

24mo Share Certificate

$500 minimum deposit to open

Max APY: 0.45% Min Deposit: $0.00

36mo Share Certificate

$500 minimum deposit to open

Max APY: 0.55% Min Deposit: $0.00

42mo Bump Rate Cert

$500 minimum deposit to open. During the term, may increase rate one time to the rate currently in effect for accounts of this type with the same term.

Max APY: 0.55% Min Deposit: $0.00

60mo Share Certificate

$500 minimum deposit to open

Max APY: 0.65% Min Deposit: $0.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.10%	0.10%	$0.00	N/A
.	0.10%	0.10%	$0.00	N/A
.	0.10%	0.10%	$0.00	N/A
.	0.25%	0.25%	$0.00	N/A
.	0.30%	0.30%	$0.00	N/A

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.20%	0.20%	$0.00	6 (min)
.	0.25%	0.25%	$0.00	6 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.20%	0.20%	$0.00	12 (min)
.	0.25%	0.25%	$0.00	12 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.30%	0.30%	$0.00	18 (min)
.	0.35%	0.35%	$0.00	18 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.40%	0.40%	$0.00	24 (min)
.	0.45%	0.45%	$0.00	24 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.50%	0.50%	$0.00	36 (min)
.	0.55%	0.55%	$0.00	36 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.50%	0.50%	$0.00	42 (min)
.	0.55%	0.55%	$0.00	42 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	0.60%	0.60%	$0.00	60 (min)
.	0.65%	0.65%	$0.00	60 (min)

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