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Rates

Rates current as of today, 11/4/2025. Print

Share Savings & Special Purpose Savings Accounts
Balance APY*
$25,000 and above 0.20%
$2,500 - $24,999.99 0.15%
$5 - $2,499.99 0.10%

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*APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for all share savings accounts are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 9/30/2025.  Other fees and conditions may apply and may reduce earnings. See fee schedule for details.

Youth Savings Accounts (Moola Moose & Compass Club)
Balance APY*
$25,000 and above 0.20%
$2,500 - $24,999.99 0.15%
$5 - $2,499.99 0.10%

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*APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for all share savings accounts accounts are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 9/30/2025. Other fees and conditions may apply and may reduce earnings. See fee schedule for details.

Checking Accounts
Account Type APY*
Advantage Checking 1.00%**
Preferred Checking 0.05%***
Value Now Checking N/A
CreditSense Checking (contact us to open) N/A

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*APY=Annual Percentage Yield. Rates subject to change. Dividends will be compounded and credited to your account monthly. If you close your account before dividends are paid, you will not receive accrued dividends.  Other fees and conditions may apply and may reduce earnings. See fee schedule for details. **1.00% APY on average daily balances of $7,500 or less; 0.01% APY on portions over $7,500. ***On average daily balances over $250

Money Market Demand
Balance APY*
$25,000 and above 1.00%
$2,500-$24,999.99 0.70%
$0-2,499.99 0.05%
Money Market Yield
Balance APY*
$100,000 and above 1.60%
$50,000-$99,999.99 1.50%
$25,000-$49,999.99 1.25%
$0-24,999.99 0.10%

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*APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for all money market accounts are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 9/30/2025. Other fees and conditions may apply and may reduce earnings. See fee schedule for details.

Share Certificates $2,500 - $24,999.99
Term APY*
6 months 1.30%
12 months 1.45%
15 months 3.60% (New money only. Click here)
18 months 1.50%
24 months 1.50%
30 months 3.25% (New money only. Click here)
36 months 2.25%
60 months 2.50%
Share Certificates $25,000 - $49,999.99
Term APY*
6 months 1.60%
12 months 1.85%
15 months 3.60% (New money only. Click here)
18 months 1.95%
24 months 2.00%
30 months 3.25% (New money only. Click here)
36 months 2.50%
60 months 3.00%
Share Certificates $50,000+
Term APY*
6 months 1.75%
12 months 2.00%
15 months 3.60% (New money only. Click here)
18 months 2.10%
24 months 2.50%
30 months 3.25% (New money only. Click here)
36 months 3.00%
60 months 3.50%

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*APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for share certificates are declared and paid monthly. For share certificates, a penalty may be imposed for withdrawals before maturity. See your Truth-In-Savings disclosure for details. Other fees and conditions may apply and may reduce earnings. See fee schedule for details.

Traditional IRA, Roth IRA, & Coverdell ESA Share Savings
Balance APY*
$25,000 and above 0.20%
$2,500 - $24,999.99 0.15%
$5 - $2,499.99 0.10%

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*APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for all share savings accounts are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 9/30/2025. Other fees and conditions may apply and may reduce earnings. See fee schedule for details. Consult a tax professional for additional information. 

Traditional & Roth IRA Share Certificates
$2,500 - $24,999.99
Term APY*
6 months 1.30%
12 months 1.45%
18 months 1.50%
24 months 1.50%
36 months 2.25%
60 months 2.50%
Traditional & Roth IRA Share Certificates
$25,000 - $49,999.99
Term APY*
6 months 1.60%
12 months 1.85%
18 months 1.95%
24 months 2.00%
36 months 2.50%
60 months 3.00%
Traditional & Roth IRA Share Certificates
$50,000+
Term APY*
6 months 1.75%
12 months 2.00%
18 months 2.10%
24 months 2.50%
36 months 3.00%
60 months 3.50%

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*APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for share certificates are declared and paid monthly. For share certificates, a penalty may be imposed for withdrawals before maturity. See your Truth-In-Savings disclosure for details.  Other fees and conditions may apply and may reduce earnings. See fee schedule for details. Consult a tax professional for additional information. 

Coverdell ESA Share Certificates
Term APY*
6 months 1.30%
12 months 1.45%
18 months 1.50%
24 months 1.50%
36 months 2.25%
60 months 2.50%

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*APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for share certificates are declared and paid monthly. For share certificates, a penalty may be imposed for withdrawals before maturity. See your Truth-In-Savings disclosure for details. Other fees and conditions may apply and may reduce earnings. See fee schedule for details. Consult a tax professional for additional information.