Share/Savings Rates
Effective Date: Tuesday, February 7th, 2023
Share TypeDividend RateAPY*
Checking No Dividend Earned  
Millennium Checking
$0 to $499.99 0.00% 0.00%
$500.00 and Over 0.05% 0.05%
Regular Share/Savings**
$0 to $99.99 0.00% 0.00%
$100.00 and Over 0.05% 0.05%
Youth Share/Savings**
$0.00 to $4.99 0.00% 0.00%
$5.00 and Over 0.05% 0.05%
Life Share/Savings**
$0 to $99.99 0.00% 0.00%
$100.00 and Over 0.05% 0.05%
Money Market Share/Savings***
$0 to $1,999.99 0.00% 0.00%
$2,000.00 to $19,999.99 0.399% 0.400%
$20,000.00 to $74,999.99 0.598% 0.600%
$75,000.00 and Over 0.797% 0.800%
IRA Share/Savings Account
($1 minimum balance to earn dividends)** 0.05% 0.05%
APY = Annual Percentage Yield.
**Minimum amount to open is $5.00
***Minimum amount to open is $2,000

Certificates of Deposit (CD) and IRA Certificates
Effective Date: Tuesday, February 7th, 2023
TermInterest RateAPY*
6 Month 2.472% 2.50%
12 Month 2.960% 3.00%
18 Month 3.105% 3.15%
24 Month 3.203% 3.25%
36 Month 3.445% 3.50%
48 Month 3.542% 3.60%
60 Month 3.639% 3.70%
1 Year Super Saver Certificate**   discontinued
No Penalty 14 Month**   discontinued
*APY = Annual Percentage Yield.
**Super Saver Certificate & No Penalty 14 Month Certificate no longer offered.
$500.00 minimum deposit for ALL Certificates except where otherwise disclosed. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.

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