Deposits
Effective April 1, 2025
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CD Plus Term Certificate
Type Minimum Deposit Under $10,000.00 $10,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 + 15 Months $5,000.00 3.95% APY** 3.95% APY** 3.95% APY** 3.95% APY** 30 Months $5,000.00 3.60% APY** 3.60% APY** 3.60% APY** 3.60% APY** -
Youth CD Certificate
Type Minimum Deposit Under $10,000.00 $10,000.00 - $49,999.99 15 Months $100.00 3.00% APY** 3.00% APY** 30 Months $100.00 3.00% APY** 3.00% APY** -
IRA Certificate (TRADITIONAL, ROTH, EDUCATIONAL)
Type Minimum Deposit Under $10,000.00 $10,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00+ 12 Months $1,000.00 4.00% APY** 4.00% APY** 4.00% APY** 4.00% APY** 18 Months $1,000.00 3.70% APY** 3.70% APY** 3.70% APY** 3.70% APY** 24 Months $1,000.00 3.60% APY** 3.60% APY** 3.60% APY** 3.60% APY** -
Money Market
Minimum Deposit
to Open AccountMinimum Balance
to Earn DividendsMaximum Balance APY** $1,000.00 - $2,499.99 0.00% APY** $1,000.00 $2,500.00 $9,999.99 1.00% APY** $1,000.00 $10,000.00 $24,999.99 1.00% APY** $1,000.00 $25,000.00 $74,999.99 1.15% APY** $1,000.00 $75,000.00 $99,999.99 1.25% APY** $1,000.00 $100,000.00 $199,999.99 1.35% APY** $1,000.00 $200,000.00 - 1.50% APY** -
Checking, Share and Club Accounts
Account Type Minimum Deposit
to Open AccountMinimum Balance
to Earn DividendsAPY** Regular Shares (Savings) Account $5.00 $500.00 0.10% APY** Non-Dividend Share Savings Account $5.00 N/A 0.00% APY** Youth Share Account $5.00 $5.00 0.10% APY** Christmas Club Account $5.00 $5.00 0.50% APY** Vacation Club Account $5.00 $5.00 0.50% APY** Non-Personal Checking Account $0.00 N/A 0.00% APY** Royal Checking (Checking Account) $0.00 $500.00 0.15% APY** Simple Checking Account $0.00 N/A 0.00% APY** ***Save and Score Savings Account $75.00 $75 1.10% APY** -
IRA Accounts
Account Type Minimum Deposit
to Open AccountMinimum Balance
to Earn DividendsAPY** Traditional IRA $5.00 $5.00 0.50% APY** Roth IRA $5.00 $5.00 0.50% APY** Educational IRA $5.00 $5.00 0.50% APY** -
Term Share Certificate (Certificate of Deposit)
Account Type Minimum Deposit Under $10,000.00 $10,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 + 3 Months $1,000.00 2.50% APY** 2.50% APY** 2.50% APY** 2.50% APY** 6 Months $1,000.00 3.80% APY** 3.80% APY** 3.80% APY** 3.80% APY** 7 Months $1,000.00 3.85% APY** 3.85% APY** 3.85% APY** 3.85% APY** 12 Months $1,000.00 4.00% APY** 4.00% APY** 4.00% APY** 4.00% APY** 18 Months $1,000.00 3.70% APY** 3.70% APY** 3.70% APY** 3.70% APY** 24 Months $1,000.00 3.60% APY** 3.60% APY** 3.60% APY** 3.60% APY** 36 Months $1,000.00 3.40% APY** 3.40% APY** 3.40% APY** 3.40% APY** 48 Months $1,000.00 3.30% APY** 3.30% APY** 3.30% APY** 3.30% APY** 60 Months $1,000.00 3.40% APY** 3.40% APY** 3.40% APY** 3.40% APY**
*** Member must qualify for Save & Score Account. Restrictions apply.