Loan Rates Deposit Rates Certificate Rates

Effective as of: January 8, 2018
TermDividend RateAPYMinimum Investment
6 Months 1.19% 1.19%$5,000.00
12 Months 1.50%1.51% $1,000.00
18 Months 1.59% 1.60% $1,000.00
24 Months1.85%1.87% $1,000.00
24 Months*1.85%1.87%$250*
30 Months1.79% 1.81% $1,000.00
36 Months 2.03% 2.05% $1,000.00
48 Months2.16%2.18% $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 months1.60%1.61% $10,000.00
15 months1.70%1.71% $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 Traditional1.19%1.19%$500.00
12 monthsTraditional, Roth, Educational1.50%1.51%$500.00
18 monthsTraditional1.59%1.60%$500.00
24 monthsTraditional, Roth, Educational1.85%1.87%$500.00
30 monthsTraditional1.79%1.81%$500.00
36 monthsTraditional, Roth, Educational2.03%2.05%$500.00
48 monthsTraditional, Roth, Educational2.16%2.18%$500.00
Preferred IRA Certificates
TermIRA Type(s) Available Dividend RateAPYMinimum Balance
9 monthsTraditional, Roth1.60%1.61%$10,000.00
15 monthsTraditional, Roth1.70%1.71%$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.