Deposit Rates

Effective December 18th, 2025 | Printable Rate Sheet

Share Certificates

Share certificates include both Roth and Traditional Share IRAs

MIN. BALANCE

TERM

DIVIDEND RATE

APY

$500

3, 6, 7 Months

2.72%

2.75%

$500

9,12 Months

3.20%

3.25%

$500

18 Months

3.20%

3.25%

$500

24, 25 Months

3.20%

3.25%

$500

30, 36 Months

3.69%

3.75%

$500

48 Months

3.69%

3.75%

Share Certificate Specials

MIN. BALANCE

TERM

DIVIDEND RATE

APY

$500

7.5 Months

4.17%

4.25%

$500

13 Months*

3.69%

3.75%

$500

15 Months

4.17%

4.25%

*No penalty for early withdrawal. Not offered on IRAs.

Share Certificate early withdrawal penalties: 90 days of interest if 1 year or less; 180 days of interest if over 1 year. Dividends are earned monthly and posted monthly to all accounts.

APY = Annual Percentage Yield. Specials may end at any time, without prior notice.

Share Savings

The minimum requirement for obtaining membership is a $5.00 deposit into a Regular Share Savings Account.

Regular Share

DIVIDEND RATE

APY

$0 - $99

0.00%

$100+

0.15%

HomeReady Savings

DIVIDEND RATE

APY

$0-$249

0.00%

$250+

1.00%

Dream.Save.Win!

DIVIDEND RATE

APY

$0-$99

0.00%

$100+

0.75%

Reward Savings

DIVIDEND RATE

APY

Up to $500

7.25%

7.50%

$500.01+

0.15%

Super Shares
(Includes ROTH, Traditional IRA, and CESA Share)

DIVIDEND RATE

APY

$2,500 - $4,999

0.50%

$5,000 - $24,999

0.75%

$25,000 - $49,999

1.49%

1.50%

$50,000 - $99,999

1.74%

1.75%

$100,000 - $199,999

2.23%

2.25%

$200,000 - $499,999

3.20%

3.25%

$500,000+

3.45%

3.50%

If balance falls below $2,500, the dividend rate will be the rate paid on Regular Shares.

Top Ten Shares

DIVIDEND RATE

APY

$5,000 - $24,999

1.00%

$25,000 - $49,999

1.74%

1.75%

$50,000 - $99,999

1.98%

2.00%

$100,000 - $199,999

2.47%

2.50%

$200,000 - $499,999

3.45%

3.50%

$500,000+

3.69%

3.75%

Checking

DIVIDEND RATE

APY

$5,000+

0.10%

Holiday Club

DIVIDEND RATE

APY

$25+

0.50%

Health Savings Account

DIVIDEND RATE

APY

$100+

0.75%

APY = Annual Percentage Yield

The minimum requirement for obtaining membership is a $5.00 deposit into a Regular Share Savings Account. The $5 is your share in the credit union and is what makes you a member-owner, not just a customer.

Dream.Save.WIN! early withdrawals within the first 12 months or withdrawals made after the first 12 months, and after the first 10 days of each calendar quarter will be subject to a penalty of $5.00 or 90 days dividends, whichever is greater, on the amount withdrawn at the rate in effect at the time of the withdrawal. See Official Rules and Disclosure.

See full reward savings details and account requirements here.

Share Savings Accounts are variable rate accounts which means the rate may change after the account is opened. Please contact the credit union for further information.

Click here to learn more about the difference between dividend rate and APY.