Loan Rates Deposit Rates Certificate Rates

Effective as of: October 30, 2018
TermDividend RateAPYMinimum Investment
6 Months 1.60%1.61%$5,000.00
12 Months 1.86%1.88% $1,000.00
18 Months2.11%2.13% $1,000.00
24 Months2.28%2.30% $1,000.00
24 Months*2.28%2.30%$250*
30 Months2.37%2.40% $1,000.00
36 Months2.45%2.48% $1,000.00
48 Months2.62%2.65% $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 months1.96%1.98% $10,000.00
15 months2.06%2.08% $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 Traditional1.60%1.61%$500.00
12 monthsTraditional, Roth, Educational1.86%1.88%$500.00
18 monthsTraditional2.11%2.13%$500.00
24 monthsTraditional, Roth, Educational2.28%2.30%$500.00
30 monthsTraditional2.37%2.40%$500.00
36 monthsTraditional, Roth, Educational2.45%2.48%$500.00
48 monthsTraditional, Roth, Educational2.62%2.65%$500.00
Preferred IRA Certificates
TermIRA Type(s) Available Dividend RateAPYMinimum Balance
9 monthsTraditional, Roth1.96%1.98%$10,000.00
15 monthsTraditional, Roth2.06%2.08%$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.