Personal Account Rates

Dividend rates and annual percentage yields on checking, savings, money market, IRA and share certificate accounts.

Rates as of October 1, 2026

Checking

Checking Rates

Platinum Rewards Checking
Tier: Min. Opening Deposit: $0.01
Dividend
0.10%
APY
0.10%
Regular Checking
Tier: No minimum balance required
Dividend: Non-dividend bearing
APY: Unlimited drafts

Checking Rates
Account Type	Tier	Dividend	APY
Platinum Rewards Checking	Min. Opening Deposit: $0.01	0.10%	0.10%
Regular Checking	No minimum balance required	Non-dividend bearing	Unlimited drafts

*APY = Annual Percentage Yield. Rates subject to change without notice. Earnings can be reduced due to activity fees. Platinum Rewards Checking Account Members receive a 0.15% increase in current Share Certificate Rates. See Share Certificate Specials for details. Federally insured by NCUA.

Savings

Savings: Money Market

$0 – $2,499
Tier: Min. Balance
Dividend
0.25%
APY
0.25%
$2,500 – $24,999
Tier: Min. Balance: $2,500
Dividend
0.50%
APY
0.50%
$25,000 – $49,999
Tier: Min. Balance: $25,000
Dividend
0.75%
APY
0.75%
$50,000 – $99,999
Tier: Min. Balance: $50,000
Dividend
1.04%
APY
1.05%
$100,000+
Tier: Min. Balance: $100,000
Dividend
1.24%
APY
1.25%

Savings: Money Market
Balance	Tier	Dividend	APY
$0 – $2,499	Min. Balance	0.25%	0.25%
$2,500 – $24,999	Min. Balance: $2,500	0.50%	0.50%
$25,000 – $49,999	Min. Balance: $25,000	0.75%	0.75%
$50,000 – $99,999	Min. Balance: $50,000	1.04%	1.05%
$100,000+	Min. Balance: $100,000	1.24%	1.25%

APY – means Annual Percentage Yield. Rates are subject to change without notice. Earnings can be reduced due to activity fees.

Savings: Savings, Club & IRA

Regular Shares
Tier: $5.00+
Dividend
0.10%
APY
0.10%
Christmas Club
Tier: No minimum
Dividend
0.50%
APY
0.50%
Vacation Club
Tier: No minimum
Dividend
0.50%
APY
0.50%

Account TypeShare IRA

Standard
Dividend
0.50%
APY
0.50%
$10,000+
Dividend
0.65%
APY
0.65%

HSA Account
Tier: No minimum
Dividend
1.00%
APY
1.00%

Savings: Savings, Club & IRA
Account Type	Tier	Dividend	APY
Regular Shares	$5.00+	0.10%	0.10%
Christmas Club	No minimum	0.50%	0.50%
Vacation Club	No minimum	0.50%	0.50%
Share IRA	Standard	0.50%	0.50%
Share IRA	$10,000+	0.65%	0.65%
HSA Account	No minimum	1.00%	1.00%

APY – means Annual Percentage Yield. Rates are subject to change without notice. Earnings can be reduced due to activity fees. Dividends are paid at the end of each month. Dividends are computed on the average daily balance.

IRA & Share Certificate Rates

Term6 Month

$500+
Dividend
1.49%
APY
1.50%
$10,000+
Dividend
1.54%
APY
1.55%
$75,000+
Dividend
1.59%
APY
1.60%

Term12 Month

$500+
Dividend
1.59%
APY
1.60%
$10,000+
Dividend
1.64%
APY
1.65%
$75,000+
Dividend
1.69%
APY
1.70%

Term24 Month

$500+
Dividend
1.69%
APY
1.70%
$10,000+
Dividend
1.74%
APY
1.75%
$75,000+
Dividend
1.79%
APY
1.80%

Term36 Month

$500+
Dividend
1.83%
APY
1.85%
$10,000+
Dividend
1.88%
APY
1.90%
$75,000+
Dividend
1.93%
APY
1.95%

Term48 Month

$500+
Dividend
1.98%
APY
2.00%
$10,000+
Dividend
2.03%
APY
2.05%
$75,000+
Dividend
2.08%
APY
2.10%

Term60 Month

$500+
Dividend
2.08%
APY
2.10%
$10,000+
Dividend
2.13%
APY
2.15%
$75,000+
Dividend
2.18%
APY
2.20%

IRA & Share Certificate Rates
Term	Tier	Dividend	APY
6 Month	$500+	1.49%	1.50%
6 Month	$10,000+	1.54%	1.55%
6 Month	$75,000+	1.59%	1.60%
12 Month	$500+	1.59%	1.60%
12 Month	$10,000+	1.64%	1.65%
12 Month	$75,000+	1.69%	1.70%
24 Month	$500+	1.69%	1.70%
24 Month	$10,000+	1.74%	1.75%
24 Month	$75,000+	1.79%	1.80%
36 Month	$500+	1.83%	1.85%
36 Month	$10,000+	1.88%	1.90%
36 Month	$75,000+	1.93%	1.95%
48 Month	$500+	1.98%	2.00%
48 Month	$10,000+	2.03%	2.05%
48 Month	$75,000+	2.08%	2.10%
60 Month	$500+	2.08%	2.10%
60 Month	$10,000+	2.13%	2.15%
60 Month	$75,000+	2.18%	2.20%

*APY = Annual Percentage Yield. Rates subject to change without notice. Earnings can be reduced due to activity fees. Add 0.15% APR for Platinum Rewards Checking Members. Add 0.10% APR for Grandfathered Nifty Fifty Accounts. Minimum deposit $500. Federally insured by NCUA.

Share Certificate Specials

9-Month
Dividend
3.78%
APY
3.85%
15-Month
Dividend
3.45%
APY
3.50%
25-Month
Dividend
2.96%
APY
3.00%
42-Month
Dividend
2.62%
APY
2.65%
66-Month
Dividend
2.72%
APY
2.75%

Share Certificate Specials
Term	Dividend Rate	APY
9-Month	3.78%	3.85%
15-Month	3.45%	3.50%
25-Month	2.96%	3.00%
42-Month	2.62%	2.65%
66-Month	2.72%	2.75%

Add 0.10% APR for Grandfathered Nifty Fifty Accounts.

Platinum Rewards Checking Share Certificate Specials

9-Month
Dividend
3.93%
APY
4.00%
15-Month
Dividend
3.60%
APY
3.66%
25-Month
Dividend
3.11%
APY
3.15%
42-Month
Dividend
2.77%
APY
2.81%
66-Month
Dividend
2.87%
APY
2.91%

Platinum Rewards Checking Share Certificate Specials
Term	Dividend Rate	APY
9-Month	3.93%	4.00%
15-Month	3.60%	3.66%
25-Month	3.11%	3.15%
42-Month	2.77%	2.81%
66-Month	2.87%	2.91%

**Member must have a Platinum Rewards Checking Account to qualify. Rates below reflect the 0.15% Platinum member increase. Increased rates are displayed below.

*APY= Annual Percentage Yield. APY is subject to change without notice. Applies to Regular, Traditional, Roth, SEP, Coverdell, & HSA Share Certificates. Penalty for early withdrawal on all certificate products. For all certificate rates and terms certain restrictions may apply. Minimum deposit $500 or otherwise specified. No Maximum deposits. Federally Insured by NCUA.

APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are subject to change without notice. Loan rates shown are the lowest available for the term; the rate you receive depends on your credit history and the loan.