Loan Rates Deposit Rates Certificate Rates

Effective as of: March 18, 2019
TermDividend RateAPYMinimum Investment
6 Months 1.89%1.91%$5,000.00
12 Months 2.03%2.05% $1,000.00
18 Months2.23%2.25% $1,000.00
24 Months2.35%2.38% $1,000.00
24 Months*2.35%2.38%$250*
30 Months2.44%2.47% $1,000.00
36 Months2.52%2.55% $1,000.00
48 Months2.64%2.67% $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 months2.13%2.15% $10,000.00
15 months2.23%2.25% $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 Traditional1.89%1.91%$500.00
12 monthsTraditional, Roth, Educational2.03%2.05%$500.00
18 monthsTraditional2.23%2.25%$500.00
24 monthsTraditional, Roth, Educational2.35%2.38%$500.00
30 monthsTraditional2.44%2.47%$500.00
36 monthsTraditional, Roth, Educational2.52%2.55%$500.00
48 monthsTraditional, Roth, Educational2.64%2.67%$500.00
Preferred IRA Certificates
TermIRA Type(s) Available Dividend RateAPYMinimum Balance
9 monthsTraditional, Roth2.13%2.15%$10,000.00
15 monthsTraditional, Roth2.23%2.25%$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.