Loan Rates Deposit Rates Certificate Rates

Effective as of: November 27,
TermDividend RateAPYMinimum Investment
6 Months 1.10% 1.11%$5,000.00
12 Months 1.42%1.43% $1,000.00
18 Months 1.51% 1.52% $1,000.00
24 Months1.73%1.74% $1,000.00
24 Months*1.73%1.74%$250*
30 Months1.79% 1.80% $1,000.00
36 Months 1.84% 1.86% $1,000.00
48 Months2.08%2.10% $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 months1.52%1.53% $10,000.00
15 months1.62%1.63% $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 Traditional1.10%1.11%$500.00
12 monthsTraditional, Roth, Educational1.42%1.43%$500.00
18 monthsTraditional1.51%1.52%$500.00
24 monthsTraditional, Roth, Educational1.73%1.74%$500.00
30 monthsTraditional1.79%1.80%$500.00
36 monthsTraditional, Roth, Educational1.84%1.86%$500.00
48 monthsTraditional, Roth, Educational2.08%2.10%$500.00
Preferred IRA Certificates
TermIRA Type(s) Available Dividend RateAPYMinimum Balance
9 monthsTraditional, Roth1.52%1.53%$10,000.00
15 monthsTraditional, Roth1.62%1.63%$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.