Personal Savings & Checking Account Interest Rates

Savings Account Rates

Statement Savings Account Rates
Rates effective as of June 3, 2021
Account Type APY Current Rate
Statement Savings 0.05% 0.05%
IRA Savings 0.05% 0.05%
Christmas Club 0.05% 0.05%

Rate Information - The interest rate and annual percentage yield may change at any time.

Compounding and crediting - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.

Minimum balance requirements: The minimum balance required to open this account is $25.00. You must maintain a minimum daily balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.

Transaction limitations: During any statement cycle, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate.

Certificate of Deposit Rates
Rates effective as of November 2, 2022
Term APY Current Rate
6 Month Certificate 0.45% 0.45%
1 Year Certificate 0.80% 0.80%
18 Month Certificate 0.65% 0.65%
2 Year CD SPECIAL 2.78% 2.75%
2 Year CD SPECIAL PLUS ** 3.04% 3.00%
36 Month Certificate 0.80% 0.80%
5 Year Certificate 1.16% 1.15%

$1,000.00 minimum deposit for a Term Share Certificate

NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate. This account is subject to early withdrawal penalties.

** 2 Year CD Special PLUS - Member must have or open a qualifying checking account to obtain special rate. A qualifying checking account must meet the following criteria, you must 1) enroll in Online Banking and enroll in e-statements within 60 days from the last day of month the account was opened, 2) establish a direct deposit into your account within 60 days from the last day of month the account was opened. Your direct deposit needs to be recurring electronic deposit of your paycheck, pension or government benefit (such as Social Security) from your employer or the government, and 3) account needs to remain open and active during the term of this certificate special.

Money Market Rates
Rates effective as of June 3, 2021
Balance APY Current Rate
$1.00 - $4,999.99 0.10% 0.10%
$5,000.00 - $19,999.99 0.15% 0.15%
$20,000.00 - $49,999.99 0.25% 0.25%
$50,000.00 - $99,999.99 0.35% 0.35%
$100,000.00 and over 0.45% 0.45%

Minimum balance requirements: The minimum balance required to open this account is $1,000.00.

You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield. 

Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.

Transaction limitations: During any statement cycle, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate.

IRA Rates
Rates effective as of August 17, 2022
Term APY Current Rate
6 Month Certificate 0.45% 0.45%
1 Year Certificate 0.80% 0.80%
18 Month Certificate 0.65% 0.65%
2 Year Certificate 1.00% 1.00%
36 Month Certificate 0.80% 0.80%
5 Year Certificate 1.15% 1.16%

$1,000.00 minimum deposit for a IRA Term Share Certificate

NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate. This account is subject to early withdrawal penalties.

Rate Information - The interest rate and annual percentage yield may change at any time.

Compounding and crediting - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.

Minimum balance requirements: The minimum balance required to open this account is $25.00. You must maintain a minimum daily balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.

Transaction limitations: During any statement cycle, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

Checking Account Rates

Checking Account Rates
Rates effective as of June 3, 2021
Product APY Current Rate
No Nonsense Plus Checking 0.05% 0.05%
No Nonsense Business Plus Checking 0.05% 0.05%

NOTE: All rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest will be reinvested at a rate equal to the current rate.