Loan Rates Deposit Rates Certificate Rates

Effective as of: May 11, 2020
TermDividend RateAPYMinimum Investment
6 Months0.40%0.40%$5,000.00
12 Months0.50%0.50% $1,000.00
18 Months0.60%0.60% $1,000.00
24 Months0.70%0.70% $1,000.00
24 Months*0.70%0.70%$250*
30 Months0.75%0.75% $1,000.00
36 Months0.80%0.80% $1,000.00
48 Months0.85%0.85% $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 months0.60%0.60% $10,000.00
15 months0.65%0.65% $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.
HSA Certificate of Deposit
TermIRA Type(s) AvailableDividend RateAPYMinimum Balance
12 MonthsH S A0.50%0.50%$1000.00
IRA Certificates
Term IRA Type(s) AvailableDividend Rate APYMinimum Balance
6 months Traditional0.40%0.40%$500.00
12 monthsTraditional, Roth, Educational0.50%0.50%$500.00
18 monthsTraditional0.60%0.60%$500.00
24 monthsTraditional, Roth, Educational0.70%0.70%$500.00
30 monthsTraditional0.75%0.75%$500.00
36 monthsTraditional, Roth, Educational0.80%0.80%$500.00
48 monthsTraditional, Roth, Educational0.85%0.85%$500.00
Preferred IRA Certificates
TermIRA Type(s) Available Dividend RateAPYMinimum Balance
9 monthsTraditional, Roth0.60%0.60%$10,000.00
15 monthsTraditional, Roth0.65%0.65%$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.