Rates

Effective May 3, 2017.

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Certificates and IRAs

AccountTermMinimum Amount to Earn DividendsDividend RateAPY*Compound
Members Choice (Cert/IRA) Direct Deposit Only12 MonthsN/A0.65%0.65%Quarterly
Certificates / IRA3 to 5 Months$1,000.000.35%0.35%Quarterly
 6 to 8 Months$1,000.000.65%0.65%Quarterly
 9 to 11 Months$1,000.000.65%0.65%Quarterly
 12 to 14 Months$1,000.000.95%0.95%Quarterly
 15 to 17 Months$1,000.000.95%0.95%Quarterly
 18 to 20 Months$1,000.001.10%1.10%Quarterly
 21 to 23 Months$1,000.001.10%1.10%Quarterly
 24 to 29 Months$1,000.001.29%1.30%Quarterly
 30 to 35 Months$1,000.001.29%1.30%Quarterly
 36 to 41 Months$1,000.001.39%1.40%Quarterly
 42 to 47 Months$1,000.001.39%1.40%Quarterly
 48 to 53 Months$1,000.001.49%1.50%Quarterly
 54 to 59 Months$1,000.001.49%1.50%Quarterly
 60 Months$1,000.001.74%1.75%Quarterly
IRA- SavingsOpen Deposit$25.000.30%0.30%Monthly

*APY=Annual Percentage Yield. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates do not apply to institutional or government deposits.