Loan Rates Deposit Rates Certificate Rates

Effective as of: September 11, 2017
TermDividend RateAPYMinimum Investment
6 Months 1.01% 1.01%$5,000.00
12 Months 1.30%1.31% $1,000.00
18 Months 1.41% 1.42% $1,000.00
24 Months1.64%1.65% $1,000.00
24 Months*1.64%1.65%$250*
30 Months1.70% 1.71% $1,000.00
36 Months 1.76% 1.77% $1,000.00
48 Months1.99%2.01% $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 months1.40%1.41% $10,000.00
15 months1.50%1.51% $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 Traditional1.01%1.01%$500.00
12 monthsTraditional, Roth, Educational1.30%1.31%$500.00
18 monthsTraditional1.41%1.42%$500.00
24 monthsTraditional, Roth, Educational1.64%1.65%$500.00
30 monthsTraditional1.70%1.71%$500.00
36 monthsTraditional, Roth, Educational1.76%1.77%$500.00
48 monthsTraditional, Roth, Educational1.99%2.01%$500.00
Preferred IRA Certificates
TermIRA Type(s) Available Dividend RateAPYMinimum Balance
9 monthsTraditional, Roth1.40%1.41%$10,000.00
15 monthsTraditional, Roth1.50%1.51%$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.