Loan Rates Deposit Rates Certificate Rates

Effective as of: September 24, 2018
TermDividend RateAPYMinimum Investment
6 Months 1.50%1.51%$5,000.00
12 Months 1.75%1.76% $1,000.00
18 Months2.00%2.02% $1,000.00
24 Months2.17%2.19% $1,000.00
24 Months*2.17%2.19%$250*
30 Months2.26%2.28% $1,000.00
36 Months2.35%2.38% $1,000.00
48 Months2.50%2.53% $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 months1.85%1.87% $10,000.00
15 months1.95%1.97% $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 Traditional1.50%1.51%$500.00
12 monthsTraditional, Roth, Educational1.75%1.76%$500.00
18 monthsTraditional2.00%2.02%$500.00
24 monthsTraditional, Roth, Educational2.17%2.19%$500.00
30 monthsTraditional2.26%2.28%$500.00
36 monthsTraditional, Roth, Educational2.35%2.38%$500.00
48 monthsTraditional, Roth, Educational2.50%2.53%$500.00
Preferred IRA Certificates
TermIRA Type(s) Available Dividend RateAPYMinimum Balance
9 monthsTraditional, Roth1.85%1.87%$10,000.00
15 monthsTraditional, Roth1.95%1.97%$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.