Share & IRA Certificates (Term Accounts)

Effective Date: Tuesday, May 28, 2024

Dividend Rate APY Minimum to Open Minimum to Earn Dividends
6 month (not available for IRA) 3.50% 3.56% $500 * $500
8 Month (not available for IRA) 5.00% 5.12% $500 * $500
1 year 2.20% 2.22% $500 * $500
14 Month 5.00% 5.12% $500 * $500
18 month 2.30% 2.33% $500 * $500
2 year 2.40% 2.43% $500 * $500
3 year 2.60% 2.63% $500 * $500
4 year 2.80% 2.84% $500 * $500
5 year 3.00% 3.04% $500 * $500
66 Month 3.00% 3.04% $500 * $500

For Share Certificate and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early withdrawal penalty (180 days); Any SC greater than 18 months–66 months will result in a 12-month early withdrawal penalty (365 days).

Owner’s Advantage Account (OAA) Product has been discontinued as of 10/1/2011. Anyone who currently has an OAA Share or IRA Certificate of Deposit will continue to receive the additional 0.10% rate on any renewal of the existing funds. There is no additional 0.10% rate increase on any new money that is invested in a Share or IRA Certificate of Deposit.

*
Minimum Deposit to Open Account — not Minimum Balance to Maintain Account
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