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Saving Rates

Effective January 6, 2023

Share Savings - Primary and Secondary

Minimum Balance APY Dividend Rate
$0 - $499.99 0.00% 0.00%
$500.00 - $1,999.99 0.050% 0.050%
$2,000.00 - $4,999.99 0.050% 0.050%
$5,000.00 - $19,999.99 0.050% 0.050%
$20,000 or greater 0.050% 0.050%

 

Polar Bear Kids Club and Teen Vision Club accounts automatically earn highest rate.

IRA Share Accounts

Minimum Balance APY Dividend Rate
$25 0.200% 0.200%

Interest-Bearing Checking

Minimum Balance APY Dividend Rate
$0 - $499.99 0.00% 0.00%
$500.00- $2,499.99 0.050% 0.050%
$2,500 or greater 0.050% 0.050%

 

Minimum balance to earn dividends is $500. $10.00 monthly fee charge when balance below $500.

Club Accounts

Account Minimum Balance APY Dividend Rate
Holiday No minimum balance 0.050% 0.050%
Vacation No minimum balance 0.050% 0.050%
Summer No minimum balance 0.050% 0.050%

Youth Accounts

Account Minimum Balance APY Dividend Rate
Polar Bear No minimum balance 0.050% 0.050%
Teen Vision No minimum balance 0.050% 0.050%
       

Kasasa

Account Balance/Tier APY Dividend Rate
Kasasa Saver (Qualifying) $25,000.00 and below 2.000% 2.000%
Kasasa Saver (Qualifying) $25,000.01 or greater 0.250% 0.250%
Kasasa Saver (Non-Qualifying) -- 0.010% 0.010%
       
Kasasa Cash (Qualifying) $25,000.00 and below 3.000% 3.000%
Kasasa Cash (Qualifying) $25,000.01 or greater 0.250% 0.250%
Kasasa Cash (Non-Qualifying)
--
0.010% 0.010%
 

Horizons Account

Minimum Balance $25,000 APY Dividend Rate
$25,000 - $99,999.99 0.500% 0.500%
$100,000+ 1.000% 1.000%

 

$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.

Cash Management Account

Minimum Balance APY Dividend Rate
$2,500.00 - $9,999.99 0.250% 0.250%
$10,000.00 or greater 0.350% 0.350%

 

No dividends will be earned on the days that the minimum balance falls below $2,500.

Share Certificates $500 to $9,999.99

Term APY Dividend Rate
3 Month 0.450% 0.450%
6 Month 1.000% 1.000%
12 Month 4.000% 3.930%
24 Month 1.500% 1.490%
36 Month 1.650% 1.640%
60 Month 2.170% 2.150%

 

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Share Certificates $10,000 TO $24,999.99

Term APY Dividend Rate
3 Month 0.550% 0.550%
6 Month 1.100% 1.090%
12 Month 4.000% 3.930%
24 Month 1.600% 1.590%
36 Month 1.750% 1.740%
60 Month 2.270% 2.250%

 

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Share Certificates $25,000 to $49,999.99

Term APY Dividend Rate
3 Month 0.650% 0.650%
6 Month 1.200% 1.190%
12 Month 4.000% 3.930%
24 Month 1.700% 1.690%
36 Month 1.850% 1.830%
60 Month 2.380% 2.350%

 

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Share Certificates $50,000+

Term APY Dividend Rate
3 Month 0.750% 0.750%
6 Month 1.300% 1.290%
12 Month 4.000% 3.930%
24 Month 1.800% 1.790%
36 Month 1.950% 1.930%
60 Month 2.480% 2.450%

 

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

IRA Share Certificates $500 TO $9,999.99

Term APY Dividend Rate
12 Month 4.000% 3.930%
18 Month 1.250% 1.240%
36 Month 1.700% 1.690%
60 Month 2.220% 2.200%

 

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $10,000 TO $24,999.99

Term APY Dividend Rate
12 Month 4.000% 3.930%
18 Month 1.300% 1.290%
36 Month 1.750% 1.740%
60 Month 2.320% 2.300%

 

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $25,000 TO $49,999.99

Term APY Dividend Rate
12 Month 4.000% 3.930%
18 Month 1.400% 1.390%
36 Month 1.900% 1.880%
60 Month 2.430% 2.400%

 

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $50,000+

Term APY Dividend Rate
12 Month 4.000% 3.930%
18 Month 1.450% 1.430%
36 Month 2.000% 1.980%
60 Month 2.530% 2.500%

 

Minimum balance for IRA Share Certificates is $500.

 

 

 

 

 

 

Annual Percentage Yields are accurate as of publication date and are subject to change without notice. Dividends are compounded daily and credited monthly on all accounts. The dividend period for all accounts is the calendar month. Additional deposits are not allowed on Share Certificates and IRA Share Certificates. Penalties apply for early withdrawal. Penalty may decrease principal. No monthly maintenance fee for Share Certificates and IRA Share Certificates. Please see Truth-in-Savings or Certificates disclosures for specific account requirements and restrictions.

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