Deposit Rates

Share Accounts

Effective 01/10/2017

Account TypeDividend RateAPY*Min. Opening Deposit**
Shares0.10%0.10%$25
Insured Shares0.00%0.00%$25
Club Accounts0.10%0.10%$0
Health Savings Accounts0.25%0.25%$0
Monty Moose Accounts0.10%0.10%$25

*Annual Percentage Yield
**Minimum Opening balance / Minimum required balance to earn APY
Rates subject to change after account opening at any time without notice.

 

Money Market Accounts

Effective 07/01/2020

Account TypeDividend RateAPY*Min. Opening Deposit**
< $10,0000.25%0.25%$2,500
$10,000+0.30%0.30%$2,500
$25,000+0.35%0.35%$2,500
$50,000+0.40%0.40%$2,500

*Annual Percentage Yield
**Minimum Opening balance / Minimum required balance to earn APY
Rates subject to change after account opening at any time without notice.

 

Certificates of Deposit

Effective 07/01/2020

Account TypeDividend RateAPY*Min. Opening Deposit**
6 Month Certificate0.40%0.40%$500
1 Year Certificate0.50%0.50%$500
2 Year Certificate0.65%0.65%$500
3 Year Certificate0.75%0.75%$500
4 Year Certificate0.90%0.90%$500
5 Year Certificate1.00%1.01%$500

* Annual Percentage Yield
**Minimum Opening balance / Minimum Required Balance to earn APY

We may impose a substantial penalty if you withdraw any of the principal before the maturity date. For Certificates of less than 24 months duration the penalty is an amount equal to 90 days Dividends, whether earned or not. For Certificates of 24 months or more duration, the penalty is an amount equal to 180 days of interest whether earned or not.

Certificates renew automatically with a 7-day grace period during which withdrawals may be made without penalty.

 

Individual Retirement Accounts

Effective 07/01/2020

Account TypeDividend RateAPY*Min. Opening Deposit**
IRA 1 Year Certificate0.50%0.50%$1,000
IRA 2 Year Certificate0.65%0.65%$1,000
IRA 3 Year Certificate0.75%0.75%$1,000
IRA 4 Year Certificate0.90%0.90%$1,000
IRA 5 Year Certificate1.00%1.01%$1,000
IRA Variable0.25%0.25%$25
IRA Variable0.30%0.30%$10,000+
IRA Variable0.35%0.35%$25,000+
IRA Variable0.40%0.40%$50,000+

* Annual Percentage Yield
**Minimum Opening balance / Minimum Required Balance to earn APY
Variable rates subject to change after account opening at any time without notice.
Withdrawals prior to age 59 1/2 may be penalized 10% by the IRS.