Rates Deposit Rates ACCOUNTS ARE A VARIABLE RATE ACCOUNT. APY IS VALID AS OF THE LAST DIVIDEND DECLARATION DATE OF SEPTEMBER 1, 2020. APY AND TIERS ARE SUBJECT TO CHANGE AT ANY TIME. Shares Dividend Rate APY under $1,000 0.10% 0.10% $1,000 or greater 0.20% 0.20% Apply Now Share Draft Dividend Rate APY $1 - $24,999.99 0.00% 0.00% $25,000 or greater 0.05% 0.05% Apply Now Clubs Dividend Rate APY Christmas Club 1.00% 1.00% Children's Cub Account 1.00% 1.00% Saver's Club 1.00% 1.00% Other Special Savings (under $1,000) 0.10% 0.10% Other Special Savings ($1,000 or greater) 0.20% 0.20% Apply Now Daily Money Market Account Tier Dividend Rate APY under $1,000.00 0.20% 0.20% $1,000 - $9,999.99 0.35% 0.35% $10,000 - $24,999.99 0.35% 0.35% $25,000 - $99.999.99 0.35% 0.35% $100,000 - $249,999.99 0.35% 0.35% $250,000 or greater 0.35% 0.35% Apply Now Accumulator IRA Tier (Traditional, Education, Roth) Dividend Rate APY under $1,000.00 0.30% 0.30% $1,000 - $9,999.99 0.50% 0.50% $10,000 - $24,999.99 0.50% 0.50% $25,000 - $99,999.99 0.50% 0.50% $100,000 - $249,999.99 0.50% 0.50% $250,000 or greater 0.50% 0.50% Apply Now Certificates of Deposit Dividend Rate APY* 6-Month 0.40% 0.40% 12-Month 0.60% 0.60% 18-Month 0.65% 0.65% 24-Month 0.70% 0.70% 36-Month 0.80% 0.80% 48-Month 0.90% 0.90% 60-Month 1.00% 1.00% *APY is accurate as of December 1, 2020 and is subject to change at any time. The rate is locked in for the term of your certificate on the day the certificate is funded. Apply Now Certificate IRA Dividend Rate APY* 6-Month 0.40% 0.40% 12-Month 0.60% 0.60% 18-Month 0.65% 0.65% 24-Month 0.70% 0.70% 36-Month 0.80% 0.80% 48-Month 0.90% 0.90% 60-Month 1.00% 1.00% *APY = Annual Percentage Yield. A fee may reduce earnings on share accounts. For certificate accounts, penalties for early withdrawal may apply. Apply Now