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Certificate Rates

Rates effective as of October 11, 2018

Certificates - Regular, IRA, Roth and Education Savings Accounts
  Balances under $50,000 Balances $50,000 - $99,999 Balances $100,000 and over
  Dividend Rate APY Dividend Rate APY Dividend Rate APY
3-month 0.45% 0.45% 0.50% 0.50% 0.55% 0.55%
6-month 0.70% 0.70% 0.75% 0.75% 0.80% 0.80%
1-year 1.24% 1.25% 1.29% 1.30% 1.34% 1.35%
2-year 1.49% 1.50% 1.54% 1.55% 1.59% 1.60%
3-year 1.69% 1.70% 1.74% 1.75% 1.79% 1.80%
4-year 1.79% 1.80% 1.83% 1.85% 1.88% 1.90%
5-year 1.88% 1.90% 1.93% 1.95% 1.98% 2.00%
18-month Bump-up 1.29% 1.30% 1.34% 1.35% 1.39% 1.40%
30-month Add-on 1.49% 1.50% 1.54% 1.55% 1.59% 1.60%

Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. Fees may reduce earnings and a penalty will be imposed for early withdrawal. Dividends are credited on the last day of the month and compound monthly. $1,000 minimum required to open account and earn dividends; $100 for members age 23 and under; $500 for IRA. Add-on certificates: Anytime during the term, minimum add-on is $1,000, $100 for members 23 and under, $500 for IRA. Additional deposits do not advance maturity. Bump-Up Certificate: One dividend increase per term. Maturity date will not advance.

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