Limited Time Savings Offer

*The promotional Annual Percentage Yield (APY) listed is effective as of 9/6/17 and is subject to change at any time, without notice.
**This certificate has a minimum deposit of $100 per certificate and a maximum deposit of $100,000 per member. Penalty for early withdrawal. Unless you instruct us otherwise, when this certificate matures, it will automatically renew into a 12 month certificate term at the APY in effect at that time. Other terms are available. Membership eligibility applies.

Checking & Savings Rates

Effective September 26, 2017- All Rates Subject to Change without Notice. Fees could reduce earnings in the account.

Regular Shares Dividend Rate Annual Percentage Yield
Minimum Balance $5 0.30% 0.30%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded  every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. Regular Share rates are effective as of the 1st of the current month.
DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED

Checking  Dividend Rate Annual Percentage Yield
No Minimum Balance 0.05% 0.05%

Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. Checking rates are effective as of the 1st of the current month.
DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED

     
Certificates & IRAs
Regular & Youth (21 & under):  Dividend Rate Annual Percentage Yield
$100 Minimum
6 to 11 months 0.30% 0.30%
12 to 17 months 0.35% 0.35%
18 to 23 months 0.45% 0.45%
24 to 29 months 0.60% 0.60%
30 to 47 months 0.70% 0.70%
48 to 59 months 0.95% 0.95%
60 to 83 months 1.05% 1.05%
84 months 1.15% 1.15%
Super: $25,000 Minimum**    
24 to 29 months 0.85% 0.85%
30 to 47 months 0.95% 0.95%
48 to 59 months 1.19% 1.20%
60 to 83 months 1.29% 1.30%
84 months 1.39% 1.40%
**Coverdell  IRA's are not eligible for the $25,000 minimum  balance tier.
Step-Up: $100 Minimum    
25 month Step-Up 0.55% 0.55%
45 month Step-Up 0.75% 0.75%
Jumbo: $50,000 Minimum    
3 to 5 months 0.30% 0.30%
6 to 11 months 0.35% 0.35%
12 months 0.40% 0.40%
May be a penalty for early withdrawal on all certificates.
 

my times

Certificates & IRAs
MyTimes: $100 Minimum  Dividend Rate Annual Percentage Yield
36 Months 0.95% 0.95%
May be a penalty for early withdrawal on all certificates.

my times

Certificates & IRAs
MyTimes: $100 Minimum  Dividend Rate Annual Percentage Yield
12 Months 0.55% 0.55%
May be a penalty for early withdrawal on all certificates.

Member Rewards

Certificates & IRAs
Silver: $100 Minimum Dividend Rate Annual Percentage Yield
48 to 59 months 1.07% 1.08%
60 to 83 months 1.17% 1.18%
84 months 1.27% 1.28%
Gold: $100 Minimum    
48 to 59 months 1.19% 1.20%
60 to 83 months 1.29% 1.30%
84 months 1.39% 1.40%
May be a penalty for early withdrawal on all certificates.
Money Market Accounts
Money Market Accounts Minimum Balance  Dividend Rate Annual Percentage Yield
Tiered Money Market
Minimum  Balance $2,500
$10 monthly fee if balance falls below $2,500
$2,500 to $14,999.99 0.40%* 0.40%
$15,000 to $24,999.99 0.40%* 0.40%
$25,000 to $49,999.99 0.45%* 0.45%
$50,000 to $99,999.99 0.45%* 0.45%
$100,000 and above 0.45%* 0.45%
Tiered Money Market IRA
Minimum Balance $100 Subject to state and federal rules & penalties, as applicable
$100 to $14,999.99 0.40%* 0.40%
$15,000 to $24,999.99 0.40%* 0.40%
$25,000 to $49,999.99 0.45%* 0.45%
$50,000 to $99,999.99 0.45%* 0.45%
$100,000 and above 0.45%* 0.45%

*DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED

Educator Rewards Summer Savings Account
Minimum Balance Dividend Rate Annual Percentage Yield
$0 to $10,000.00 1.29% 1.30%
$10,000.01 and above 0.30% 0.30%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. Educator Rewards Summer Savings Account rates are effective as of the 1st of the current month.
DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED