Savings & Checking Rates

Effective January 6, 2019

REGULAR, SMARTY, AND JOURNEY SAVINGS


Dividend APY*
Up to $10,000.99 0.25% 0.25%
10,001.00 to $25,000.99 0.30% 0.30%
$25,001.00 and over 0.40% 0.40%
Minimum deposit of $1 is required to open an account
Fees or other conditions associated with the account may reduce earnings
Pays dividends on all funds in the account. Dividends are compounded and credited monthly

SAVE TO PROSPER SAVINGS ACCOUNT


Dividend APY*
Up to $10,000.99 0.25% 0.25%
$10,001.00 to $25,000.99 0.30% 0.30%
$25,001.00 and over 0.40% 0.40%
Minimum deposit of $5 is required to open an account
Penalties imposed for early withdrawal; penalties not applicable during the month of January
Fees or other conditions associated with the account may reduce earnings
Pays dividends on all funds in the account. Dividends are compounded and credited monthly

HOLIDAY, VACATION AND SPRING BREAK CLUB SAVINGS ACCOUNTS


Dividend APY*
any Balance 0.10% 0.10%
Minimum deposit of $5 is required to open an account
Early withdrawal fee ($25 per withdrawal); not applicable during first six days account is open
Pays dividends on all funds in the account. Dividends are compounded and credited quarterly 

FREEDOM SAVINGS ACCOUNT


Dividend APY*
Up to to $10,000.99 0.25% 0.25%
$10,001.00 to $25,000.99 0.30% 0.30%
$25,001.00 and over 0.40%  0.40%
Account Restrictions: Money deposited into this restricted access savings account may not be withdrawn until your Freedom Line of Credit loan has a zero balance.
Fees or other conditions associated with the account may reduce earnings
No minimum balance requirement
Dividends are compounded and credited monthly

GOLD CHECKING


Dividend APY*
$500.00 and over 0.10% 0.10%
Minimum balance $500
Minimum of $500 to open
Dividends compounded daily and credited monthly. If balance falls below $500 you will still earn interest, but a $5 maintenance fee is charged to the account.

ASCEND CHECKING


Dividend APY*
Any balance 0.10% 0.10%
No minimum balance

No minimum deposit to open
Pays dividends on all funds in the account. Dividends are compounded daily and credited monthly.


INDIVIDUAL RETIREMENT ACCUMULATION

 

Dividend APY*
Up to $10,000.99 0.25% 0.25%
$10,001.00 to $25,000.99 0.30% 0.30%
$25,001.00 and over 0.40% 0.40%
Pays dividends on all funds in the account. Dividends are compounded and credited monthly.
No minimum balance requirement


DAILY INTEREST INVESTMENT ACCOUNT


Dividend APY*
$1,000.01 to $9,999.99 0.50% 0.50%
$10,000.00 to $24,999.99 0.75% 0.75%
$25,000.00 to $49,999.99 0.85% 0.85%
$50,000.00 and over 1.05% 1.05%
Rate can change daily
Minimum deposit of $1,000.00 is required to open and $1000 minimum must be kept to earn dividends
Dividends compounded daily and credited monthly

SHARE CERTIFICATES


Dividend APY*
3 months 0.50% 0.50%
6 months 1.10% 1.10%
9 months 1.35% 1.35%
12 months 1.79% 1.80%
24 months 2.27% 2.30%
36 months 2.52% 2.55%
48 months 2.61% 2.65%
60 months 2.86% 2.90%
Dividend Rates change on a regular basis
Minimum required deposit is $300.00.
Penalties will be imposed for early withdrawal
Terms of 3, 6, 9, 12, 24, 36, 48 and 60 months available
Dividends are compounded and credited monthly
All dividends and rates are subject to change.
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
*The dividends listed are those declared as of the last dividend declaration date. APY = Annual Percentage Yield.