Dividend Rates

As of December 2025

Dividend Rates
Account APR (Annual Percentage Rate)* APY (Annual Percentage Yield)**
Regular Savings Account - $0.01 to $9,999.99 0.25% 0.25%
Regular Savings Account - $10,000 and over 0.35% 0.35%
IRA Accounts 1.20% 1.20%
Christmas Club Accounts 1.00% first $5,000 - 0.25% above 1.00% first $5,000 - 0.25% above
Vacation Club Accounts 1.00% first $5,000 - 0.25% above 1.00% first $5,000 - 0.25% above
Monthly Dividend Accounts - $0.01 to $19,999.99 0.70% 0.70%
Monthly Dividend Accounts > $20,000 0.75% 0.75%
Monthly Dividend Accounts > $50,000 0.80% 0.80%
Monthly Dividend Accounts > $100,000 0.90% 0.90%
Share Draft/Checking Accounts < $2,500 0.15% 0.15%
Share Draft/Checking Accounts > $2,500 0.30% 0.30%

Share Certificates

Share Certificates
Type of Certificate Term** Minimum Deposit Annual Percentage Yield*
6-Month Certificate
Fixed rate for the term of the Certificate, Certificate does not automatically renew.		 6 Months $1,000 3.50%
One Year Certificate
Fixed rate, quarterly dividends. Dividends may compound, may receive quarterly dividend check or have dividends posted to savings or checking. Does not automatically renew.		 365 Days $2,500 3.60%
2 Year Certificate
Fixed rate, quarterly dividends. Dividends may compound, may receive quarterly dividend check or have dividends posted to savings or checking. Does not automatically renew.		 730 Days $2,500 2.75%

*Fees or other conditions could reduce earnings on the account.**A penalty may be imposed for early withdrawal.