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Savings Rates

Check back often to see our best savings account rates! Minimum deposit to earn dividends on a Regular Share or Regular IRA Share Account is $50.

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Certificate Rates
Savings Account Rates
Christmas Club Account Rates
Health Savings Account Rates
Individual Retirement Account Rates
Money Management Account Rates
Saver's Sweepstakes Account Rates

Certificate Rates

04/12/2026

Min. Opening Deposit
Interest Rate
APY*
90 Day Certificate
$500.00
1.500
1.508
180 Day Certificate
$500.00
2.000
2.015
1 Year Certificate
$500.00
2.500
2.524
1 Year Balance Builder Certificate
$100.00
2.500
2.524
18 Month Certificate
$1,000.00
2.500
2.524
2 Year Certificate
$1,000.00
3.000
3.034
2 Year Certificate
$50,000.00
3.100
3.136
3 Year Certificate
$1,000.00
3.000
3.034
3 Year Certificate
$50,000.00
3.100
3.136
4 Year Certificate
$1,000.00
3.000
3.034
4 Year Certificate
$50,000.00
3.100
3.136
5 Year Certificate
$1,000.00
3.000
3.034
5 Year Certificate
$50,000.00
3.100
3.136

*APY is Annual Percentage Yield. Rates subject to change without notice. A penalty may be imposed if you withdraw any of the funds before the maturity date.

Individual Retirement Account Rates

04/12/2026

Min. Opening Deposit
Interest Rate
APY*
Regular IRA Share
$5.00
0.150
0.150
1 Year IRA Certificate
$500.00
2.500
2.524
2 Year IRA Certificate
$1,000.00
3.000
3.034
2 Year IRA Certificate
$50,000.00
3.100
3.136
3 Year IRA Certificate
$1,000.00
3.000
3.034
3 Year IRA Certificate
$50,000.00
3.100
3.136
4 Year IRA Certificate
$1,000.00
3.000
3.034
4 Year IRA Certificate
$50,000.00
3.100
3.136
5 Year IRA Certificate
$1,000.00
3.000
3.034
5 Year IRA Certificate
$50,000.00
3.100
3.136

*APY is Annual Percentage Yield. Rates subject to change without notice. A penalty may be imposed if you withdraw any of the funds before the maturity date.

Savings Account Rates

04/12/2026

Min. Opening Deposit
Interest Rate
APY*
Regular Share
$5.00
0.100
0.100

*APY is Annual Percentage Yield. Rates subject to change without notice. 

Money Management Account Rates

04/12/2026

Min. Opening Deposit
Interest Rate
APY*
$2,000.00 – $9,999.99
$2,000.00
0.650
0.652
$10,000.00 – $24,999.99
$10,000.00
1.000
1.005
$25,000.00 – $49,999.99
$25,000.00
1.150
1.156
$50,000 – $99,999
$50,000.00
1.750
1.764
$100,000 and up
$100,000.00
2.000
2.018

*APY is Annual Percentage Yield. Rates subject to change without notice. 

Christmas Club Account Rates

04/12/2026

Min. Opening Deposit
Interest Rate
APY*
Christmas Club
$0.00
0.300
0.300

*APY is Annual Percentage Yield. Rates subject to change without notice. An early withdrawel fee may be imposed if you withdraw any of the funds before the transfer date. Membership eligibility required. 

Saver’s Sweepstakes Account Rates

04/12/2026

Min. Opening Deposit
Interest Rate
APY*
Saver's Sweepstakes
$25.00
0.100
0.100

*APY is Annual Percentage Yield. Rates subject to change without notice. 

Health Savings Account Rates

04/12/2026

Min. Opening Deposit
Interest Rate
APY*
$50.00 – $1,999.99
$50.00
0.050
0.050
$2,000.00 – $9,999.99
$2,000.00
0.070
0.070
$10,000.00 – $24,999.99
$10,000.00
0.100
0.100
$25,000.00 and up
$25,000.00
0.150
0.150

*APY is Annual Percentage Yield. Rates subject to change without notice.