Deposit Rates

The Dividend Rates and corresponding Annual Percentage Yields
disclosed below are subject to change without notice.

Master Share Savings
Effective 10/1/2022          Dividend Rate APY
       0.30%   0.30%
Dividends are compounded daily and paid monthly.  Members must maintain a minimum daily balance of $100 to obtain the disclosed annual percentage yield.  If a balance of less than $100 is maintained, there is no penalty, but dividends are not paid on the account.
Sub Share Savings
Effective 10/1/2022 Dividend Rate         APY           
         0.30%            0.30%         
Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account.  No fees are assessed on this account.  
Share Draft/Checking
Effective 10/1/2022 Dividend Rate APY
       0.30%   0.30%
Dividends are compounded daily and paid monthly.  The Share Draft account earns dividends on balances over $250.  If a balance of less than $250 is maintained, there is no penalty, but dividends are not paid on the account.  There are no per transaction or minimum balance fees charged.  Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means are charged $25.  The fee to stop payment on a draft is $20.  First box of checks is free to members.  Members purchase their own checks after the first box.  
Term Share Certificates (CDs)
Effective 10/1/2022 Term Dividend Rate APY
  12 Month   0.99%  1.00%
  24 Month   1.49%  1.50%
  36 Month   1.98%  2.00%

Dividends are compounded monthly and paid monthly or on maturity.  Minimum balance of $1,000 is required to open and maintain a certificate account.  Once a certificate is opened, no additions can be made until maturity.  Early Withdrawal Penalty – The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate. 

Holiday Club
Effective 10/1/2022 Dividend Rate  APY
     0.30%    0.30%
Dividends are compounded daily and paid monthly.  No minimum balance is required to open the account.  No fees are assessed on this account. 
Money Market
Effective 10/1/2022     Dividend Rate APY
     0.50%          0.50%       
Dividends are compounded daily and paid monthly.  Dividends are earned on balances over $2,500.  If a balance of less than $2,500 is maintained, there is no penalty, but dividends are not paid on the account.