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Current Share Rates

Consumer Account Rates
SAVING & CHECKING ACCOUNT RATES
Declared for September 1, 2016
ACCOUNT TYPE BALANCE TO EARN APY APY* RATE
Membership Savings $0.00 to $99.99 0.00% 0.00%
Membership Savings $100.00 plus 0.15% 0.15%
Special Savings $100.00 plus 0.15% 0.15%
Holiday Club Account $20.00 plus 0.20% 0.20%
Regular Checking All 0.00% 0.00%
Health Savings Accounts See Money Market Rates    
Money Market Checking $2,000 to $9,999.99 0.15% 0.15%
Money Market Checking $10,000 to $24,999.99 0.17% 0.17%
Money Market Checking $25,000 to $49,999.99 0.20% 0.20%
Money Market Checking $50,000 plus 0.25% 0.25%

*APY is the Annual Percentage Yield.
Dividends for all above accounts are paid monthly on an average daily balance. Savings and Checking account dividends will be declared by the Board of Directors each month. The above yields represent what was paid during the last month. Under-18 savings accounts will earn dividends at minimum balance of $25. APY accurate as of the last dividend declaration date.

CONSUMER TIME SHARE CERTIFICATES (includes IRA)
Accurate as of September 20, 2016
TERM MINIMUM BALANCE TO EARN APY APY* RATE PENALTY (IN DAYS)
3 Months $500 - $9,999 0.15% 0.15% 30 days
3 Months $10,000 - OVER 0.20% 0.20% 30 days
6 Months $500 - $9,999 0.20% 0.20% 90 days
6 Months $10,000 - OVER 0.30% 0.30% 90 days
12 Months $500 - $9,999 0.25% 0.25% 180 days
12 Months $10,000 - OVER 0.35% 0.35% 180 days
18 Months $500 - $9,999 0.25% 0.25% 180 days
18 Months $10,000 - OVER 0.35% 0.35% 180 days
24 Months $500 - $9,999 0.40% 0.40% 180 days
24 Months $10,000 - OVER 0.50% 0.50% 180 days
36 Months $500 - $9,999 0.80% 0.80% 180 days
36 Months $10,000 - OVER 1.01% 1.00% 180 days
48 Months $500 - $9,999 1.26% 1.25% 180 days
48 Months $10,000 - OVER 1.46% 1.45% 180 days
60 Months $500 - $9,999 1.56% 1.55% 180 days
60 Months $10,000 - OVER 1.82% 1.80% 180 days

*APY is the Annual Percentage Yield.
Interest for all Time Share Certificates is calculated daily and paid monthly. Upon early withdrawal, certificates will carry a penalty of forfeiture of interest as indicated. Penalty will never exceed the amount of interest actually earned.

 

Business Account Rates

Business Savings and Checking Account Rates

Business / Non-Profit / Edge Accounts

Declared for September 1, 2016

 

 

 

Account Type

 

 

Balance to earn APY

Annual Percentage Yield (APY)

 

 

Rate

Membership Savings

Membership Savings

Secondary Savings

Regular Checking

Money Market Checking

Money Market Checking

Money Market Checking

$0.00 to $99.99

$100.00 plus

$100.00 plus

All

$10,000.00 to $24,999,99

$25,000.00 to $49,999.99

$50,000 plus

0.00%

0.15%

0.15%

0.00%

0.17%

0.20%

0.25%

0.00%

0.15%

0.15%

0.00%

0.17%

0.20%

0.25%

Dividends for all above accounts are paid monthly on an average daily balance.  Savings and Checking account dividends will be declared by the Board of Directors each month.  The above yields represent what was paid during the last month. APY is accurate as of the last dividend declaration date.

 Business Time Share Certificates

Accurate as of September 20, 2016

 

 

Term

Minimum Balance to earn APY

$500 - $9,999

Minimum Balance to earn APY

$10,000 - Over

 

Penalty

(in days)

 

APY

RATE

APY

RATE

 

  3 Months

  6 Months

12 Months

18 Months

24 Months

36 Months

48 Months

60 Months

0.15

0.20

0.25

0.25

0.40

0.80

1.26

1.56

0.15

0.20

0.25

0.25

0.40

0.80

1.25

1.55

0.20

0.30

0.35

0.35

0.50

1.01

1.46

1.82

0.20

0.30

0.35

0.35

0.50

1.00

1.45

1.80

  30 days

  90 days

180 days

180 days

180 days

180 days

180 days

180 days

Interest for all Time Share Certificates is calculated daily and paid monthly. Upon early withdrawal, certificates will carry a penalty of forfeiture of interest as indicated.Penalty will never exceed the amount of interest actually earned.