Loan Rates Deposit Rates Certificate Rates

Effective as of: February 5, 2018
TermDividend RateAPYMinimum Investment
6 Months 1.27%1.28%$5,000.00
12 Months 1.67%1.68% $1,000.00
18 Months 1.68% 1.69% $1,000.00
24 Months1.95%1.97% $1,000.00
24 Months*1.9%1.97%$250*
30 Months2.04% 2.06% $1,000.00
36 Months 2.12% 2.14% $1,000.00
48 Months2.33%2.35% $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 months1.77%1.78% $10,000.00
15 months1.87%1.89% $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 Traditional1.27%1.28%$500.00
12 monthsTraditional, Roth, Educational1.67%1.68%$500.00
18 monthsTraditional1.68%1.69%$500.00
24 monthsTraditional, Roth, Educational1.95%1.97%$500.00
30 monthsTraditional2.04%2.06%$500.00
36 monthsTraditional, Roth, Educational2.12%2.14%$500.00
48 monthsTraditional, Roth, Educational2.28%2.35%$500.00
Preferred IRA Certificates
TermIRA Type(s) Available Dividend RateAPYMinimum Balance
9 monthsTraditional, Roth1.77%1.78%$10,000.00
15 monthsTraditional, Roth1.87%1.89%$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.