Loan Rates Deposit Rates Certificate Rates

Effective as of: October 12, 2017
TermDividend RateAPYMinimum Investment
6 Months 1.06% 1.06%$5,000.00
12 Months 1.37%1.38% $1,000.00
18 Months 1.47% 1.48% $1,000.00
24 Months1.69%1.70% $1,000.00
24 Months*1.69%1.70%$250*
30 Months1.74% 1.75% $1,000.00
36 Months 1.79% 1.80% $1,000.00
48 Months2.07%2.09% $1,000.00
*Youth Certificate - Cool Kids CODE Club and YES Club members are eligible to obtain a youth certificate in their name. A minimum deposit of $250.00 is required to open the certificate. Added deposits of $100.00 can be made during the term. The youth certificate has a term of 24 months, with the maturity date being no later than the year the member turns 18.
Preferred Certificate Rates
Term Dividend RateAPY Minimum Balance
9 months1.47%1.48% $10,000.00
15 months1.57%1.58% $10,000.00
The dividend period for Certificates is monthly and may be paid to the Certificate or an account of your choice. A penalty may be imposed for withdrawals before maturity.
IRA Certificates
Term IRA Type(s) AvailableDividend Rate APYMinimum Balance
6 months Traditional1.06%1.06%$500.00
12 monthsTraditional, Roth, Educational1.37%1.38%$500.00
18 monthsTraditional1.47%1.48%$500.00
24 monthsTraditional, Roth, Educational1.69%1.70%$500.00
30 monthsTraditional1.74%1.75%$500.00
36 monthsTraditional, Roth, Educational1.79%1.80%$500.00
48 monthsTraditional, Roth, Educational2.07%2.09%$500.00
Preferred IRA Certificates
TermIRA Type(s) Available Dividend RateAPYMinimum Balance
9 monthsTraditional, Roth1.47%1.48%$10,000.00
15 monthsTraditional, Roth1.57%1.58%$10,000.00
The dividend period for IRA Certificates is monthly and will be credited to the IRA Certificate. A penalty may be imposed for withdrawals before maturity.
Accumulator IRA
Term IRA Type(s) AvailableDividend RateAPYMinimum Balance
N/ATraditional, Roth, Educational 0.25% 0.25%None
The dividend period for an Accumulator IRA is quarterly with dividends being credited to that account.