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Online Banking

Checking Accounts

Effective Date: Wednesday, September 19, 2018

Checking Accounts

Minimum DepositRateAPY*Minimum Required to Earn APY
Regular Checking$100.10%.10%$100Open Online
Health Savings Checking Account$01.00%1.00%$5How To Open
$2,5001.49%1.50%$2,500
$10,0001.98%2.00%$10,000

*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Penalty for early withdrawal applies to Certificates of Deposit. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance.Maintenance or activity fees could reduce the earnings on the account.


Savings Accounts

Effective Date: Wednesday, September 19, 2018

Savings Accounts

Minimum DepositRateAPY*Minimum Required to Earn APY
Savings & Shares$5.05%.05%$5Become A Member
Elements of Savings$51.98%2.00%$5
$1,000.05%.05%$1,000
M3 Money Club$51.98%2.00%$5Become A Member
$1,000.05%.05%$1,000

*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Penalty for early withdrawal applies to Certificates of Deposit. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance.Maintenance or activity fees could reduce the earnings on the account.


Club Accounts

Effective Date: Wednesday, September 19, 2018

Club Accounts

Minimum DepositRateAPY*Minimum Required to Earn APY
Create-A-Club$0.05%.05%$5How To Open
Christmas Club$0.05%.05%$5How To Open
Home Heating Club$01.98%2.00%$5How To Open
$1,000.05%.05%$1,000

*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Home Heating Club requires 1 withdrawal per year, or a fee of $25 will be incurred; if the account is closed within 1 year of opening a $25 fee will also be incurred. Christmas Club has a $5 penalty for early withdrawal. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.


Money Market Accounts

Effective Date: Wednesday, September 19, 2018

Money Market Accounts

Minimum DepositRateAPY*Minimum Required to Earn APY
Personal Money Market$2,500.30%.30%$2,500How To Open
$10,000.40%.40%$10,000
$25,000.50%.50%$25,000
$50,000.60%.60%$50,000
$100,000.80%.80%$100,000
Business Money Market$25,000.50%.50%$25,000How To Open
$50,000.60%.60%$50,000
$100,000.80%.80%$100,000

*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Penalty for early withdrawal applies to Certificates of Deposit. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance.Maintenance or activity fees could reduce the earnings on the account.


Certificates of Deposit

Effective Date: Wednesday, September 19, 2018

Certificates of Deposit

Minimum DepositRateAPY*Minimum Required to Earn APY
6 Month **$500.50%.50%$500How To Open
12 Month **$5001.00%1.00%$500How To Open
i$ave: 12 Month (Ages 18 & Under Only)$100 ($10,000 maximum) 1.09%1.10%$100How To Open
Special 15 Month **$5002.42%2.45%$500How To Open
18 Month **$5001.29%1.30%$500How To Open
Special 22 Month **$5002.28%2.30%$500How To Open
24 Month **$5001.39%1.40%$500How To Open
36 Month **$5001.64%1.65%$500How To Open
48 Month **$5001.79%1.80%$500How To Open
60 Month **$5002.33%2.35%$500How To Open

*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. Certificate Rates are subject to change without notice; however, the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. Withdrawals, maintenance or activity fees could reduce the earnings on the account. **IRA Certificates also available by seeing a member services representative


Individual Retirement Accounts

Effective Date: Wednesday, September 19, 2018

Individual Retirement Accounts

Minimum DepositRateAPY*Minimum Required to Earn APY
Individual Retirement Accounts$500.50%.50%$500How To Open

*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. Certificate Rates are subject to change without notice; however, the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. Withdrawals, maintenance or activity fees could reduce the earnings on the account. **IRA Certificates also available by seeing a member services representative