Deposit Rates

Share Certificates (CD)

Penalty for Early withdrawal of Share Certificates – Forfeiture of dividends as shown below:
Early withdrawal penalty is based on term of certificate.
For certificates with an original term of 11 months or less, the penalty amount will be 90 days’ dividends.
For certificates with an original term between 12  and 17 months, the penalty amount will be 180 days’ dividends.
For certificates with an original term between 18 and 35 months, the penalty amount will be 365 days’ dividends.
For certificates with an original term between 36 and 59 months, the penalty amount will be 730 days’ dividends.
For certificates with an original term over 60 months, the penalty amount will be 910 days’ dividends.

IRA Certificates: Exceptions to Early Withdrawal Penalties: When an owners dies or is determined legally incompetent by a court or other body of competent jurisdiction. Minimum opening deposit of $1,000.  Early withdrawal penalty may reduce earnings. This penalty may reduce earnings of the certificate.

IRA Share Balance

APY = Annual Percentage Yield
APR = Annual Percentage Rate

Depositors are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. All Deposit Products are Variable Rate and subject to change without notice. Fees may reduce earnings. Rates current as of 5/1/2025.

**Annual Percentage Yield. Rates are for limited time only and are subject to change at any moment. $1,000 minimum to open certificate of deposit and earn APY, limited to $1,000,000 maximum per social security number. Subject to early withdrawal penalty. Fees may reduce earnings. We cannot accept orders via email. Must meet membership eligibility requirements. Federally insured by NCUA. Rate current as of 5/1/2025.