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/A0.60%0.60%Quarterly
Certificates / IRA3 to 5 Months$1,000.000.30%0.30%Quarterly
 6 to 8 Months$1,000.000.60%0.60%Quarterly
 9 to 11 Months$1,000.000.60%0.60%Quarterly
 12 to 14 Months$1,000.000.85%0.85%Quarterly
 15 to 17 Months$1,000.000.85%0.85%Quarterly
 18 to 20 Months$1,000.001.00%1.00%Quarterly
 21 to 23 Months$1,000.001.00%1.00%Quarterly
 24 to 29 Months$1,000.001.20%1.21%Quarterly
 30 to 35 Months$1,000.001.20%1.21%Quarterly
 36 to 41 Months$1,000.001.30%1.31%Quarterly
 42 to 47 Months$1,000.001.30%1.31%Quarterly
 48 to 53 Months$1,000.001.40%1.41%Quarterly
 54 to 59 Months$1,000.001.40%1.41%Quarterly
 60 Months$1,000.001.64%1.65%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.