Deposit Rates

Checking

Account Type
Min Balance to Earn
APY*
Members Choice Checking
Min Balance to Earn
$2,500
APY*
0.10%
Min Balance to Earn
$10,000
APY*
0.15%
Protection Plus Checking
Min Balance to Earn
$1,000
APY*
0.10%
Carefree Checking (Legacy)
Min Balance to Earn
$100
APY*
0.10%
Min Balance to Earn
$2,500
APY*
0.15%
Min Balance to Earn
$10,000
APY*
0.25%
Min Balance to Earn
$25,000
APY*
0.45%

Savings

Account Type
Min Balance to Earn
APY*
Primary Share
Min Balance to Earn
$100
APY*
0.05%

Certificates

Account Type
Min Balance to Earn
APY*
6 Month Certificate
Min Balance to Earn
$1,000
APY*
4.07%
12 Month Certificate
Min Balance to Earn
$1,000
APY*
4.07%
18 Month Certificate
Min Balance to Earn
$1,000
APY*
4.18%
24 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
30 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
36 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
48 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
60 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
Jumbo 6 Month Certificate
Min Balance to Earn
$50,000
APY*
4.18%
Jumbo 12 Month Certificate
Min Balance to Earn
$50,000
APY*
4.18%
Jumbo 18 Month Certificate
Min Balance to Earn
$50,000
APY*
4.28%
Jumbo 24 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
Jumbo 30 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
Jumbo 36 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
Jumbo 48 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
Jumbo 60 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA 6 Month Certificate
Min Balance to Earn
$1,000
APY*
4.07%
IRA 12 Month Certificate
Min Balance to Earn
$1,000
APY*
4.07%
IRA 18 Month Certificate
Min Balance to Earn
$1,000
APY*
4.18%
IRA 24 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA 30 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA 36 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA 48 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA 60 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA Jumbo 6 Month Certificate
Min Balance to Earn
$50,000
APY*
4.18%
IRA Jumbo 12 Month Certificate
Min Balance to Earn
$50,000
APY*
4.18%
IRA Jumbo 18 Month Certificate
Min Balance to Earn
$50,000
APY*
4.28%
IRA Jumbo 24 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA Jumbo 30 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA Jumbo 36 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA Jumbo 48 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA Jumbo 60 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%

IRAs

Account Type
Min Balance to Earn
APY*
IRA Regular Share
Min Balance to Earn
$100
APY*
0.20%
Min Balance to Earn
$10,000
APY*
4.00%

Club Accounts

Account Type
Min Balance to Earn
APY*
Summer Pay Club
Min Balance to Earn
$100
APY*
0.05%
Holiday Club
Min Balance to Earn
$100
APY*
0.05%
Vacation Club
Min Balance to Earn
$100
APY*
0.05%

Money Market

Account Type
Min Balance to Earn
APY*
Money Market
Min Balance to Earn
$1,000
APY*
0.65%
Min Balance to Earn
$25,000
APY*
1.00%
Min Balance to Earn
$50,000
APY*
1.20%
IRA Money Fund**
Min Balance to Earn
$25,000 - $49,999
APY*
4.00%

*APY = Annual Percentage Yield
**Money Market IRA Plus accounts will be subject to the terms and conditions of the IRA selected. Please contact us for details.