Savings & Checking Rates

Effective February 26, 2024

REGULAR, SMARTY, AND JOURNEY SAVINGS


Dividend APY*
Up to $10,000.99 0.35% 0.35%
10,001.00 to $25,000.99 0.40% 0.40%
$25,001.00 and over 0.45% 0.45%
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 0.35% 0.35%
$10,001.00 to $25,000.99 0.40% 0.40%
$25,001.00 and over 0.45%
0.45%
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 0.35% 0.35%
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 0.35% 0.35%
$10,001.00 to $25,000.99 0.40% 0.40%
$25,001.00 and over 0.45%
 0.45%
Account Restrictions: Money deposited into this restricted access savings account may not be withdrawn until your Freedom Line of Credit loan has a zero balance.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 0.35% 0.35%
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 0.35% 0.35%
No minimum balance.

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


IRA ACCUMULATIVE & ROTH ACCUMULATIVE

 

Dividend APY*
Up to $10,000.99 0.35% 0.35%
$10,001.00 to $25,000.99 0.40% 0.40%
$25,001.00 and over 0.45% 0.45%
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 2.13% 2.15%
$10,000.00 to $24,999.99 2.52%
2.55%
$25,000.00 to $49,999.99 3.11% 3.15%
$50,000.00 and over 3.25% 3.30%
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 3.01% 3.05%
6 months 4.70%
4.80%
9 months 4.65% 4.75%
12 months 4.70% 4.80%
24 months 3.74% 3.80%
36 months 3.49% 3.55%
48 months 3.35% 3.40%
60 months 3.44% 3.50%
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.