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Saving Rates

Effective March 1, 2021

Share Certificates $0 to $9,999.99

Term APY Dividend Rate
3 Month 0.050% 0.050%
6 Month 0.150% 0.150%
12 Month 0.200% 0.200%
24 Month 0.300% 0.300%
36 Month 0.400% 0.400%
60 Month 0.500% 0.500%

 

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Share Certificates $10,000 TO $24,999.99

Term APY Dividend Rate
3 Month 0.050% 0.050%
6 Month 0.150% 0.150%
12 Month 0.200% 0.200%
24 Month 0.300% 0.300%
36 Month 0.400% 0.400%
60 Month 0.500% 0.500%

Share Certificates $25,000 to $49,999.99

Term APY Dividend Rate
3 Month 0.050% 0.050%
6 Month 0.150% 0.150%
12 Month 0.200% 0.200%
24 Month 0.300% 0.300%
36 Month 0.400% 0.400%
60 Month 0.500% 0.500%

 

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Share Certificates $50,000+

Term APY Dividend Rate
3 Month 0.050% 0.050%
6 Month 0.150% 0.150%
12 Month 0.200% 0.200%
24 Month 0.300% 0.300%
36 Month 0.400% 0.400%
60 Month 0.500% 0.500%

 

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

Share Savings

Minimum Balance APY Dividend Rate
$0 - $500 0.00% 0.00%
$501 - $2,000 0.030% 0.030%
$2,001 - $5,000 0.030% 0.030%
$5,001 - $20,000 0.030% 0.030%
$20,000+ 0.030% 0.030%

 

Polar Bear Kids Club and Teen Vision Club accounts automatically earn highest rate.

IRA Share Accounts

Minimum Balance APY Dividend Rate
$25 0.10% 0.10%

Horizons Account

Minimum Balance APY Dividend Rate
$25,000 0.050% 0.050%

 

$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.

Cash Management Account

Minimum Balance APY Dividend Rate
$2,500.00 - $10,000.00 0.050% 0.050%
$10,000.01+ 0.050% 0.050%

 

No dividends will be earned on the days that the minimum balance falls below $2,500.

Interest-Bearing Checking

Minimum Balance APY Dividend Rate
$0 - $500 0.00% 0.00%
$501 - $2,500 0.010% 0.010%
$2,501+ 0.010% 0.010%

 

Minimum balance to earn dividends is $500. $10.00 monthly fee charge when balance below $500.

IRA Share Certificates $0 TO $9,999.99

Term APY Dividend Rate
12 Month 0.250% 0.250%
18 Month 0.275% 0.275%
36 Month 0.450% 0.450%
60 Month 0.550% 0.550%

 

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $10,000 TO $24,999.99

Term APY Dividend Rate
12 Month 0.250% 0.250%
18 Month 0.275% 0.275%
36 Month 0.450% 0.450%
60 Month 0.550% 0.550%

 

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $25,000 TO $49,999.99

Term APY Dividend Rate
12 Month 0.250% 0.250%
18 Month 0.275% 0.275%
36 Month 0.450% 0.450%
60 Month 0.550% 0.550%

 

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $50,000+

Term APY Dividend Rate
12 Month 0.250% 0.250%
18 Month 0.275% 0.275%
36 Month 0.450% 0.450%
60 Month 0.550% 0.550%

 

Minimum balance for IRA Share Certificates is $500.

 

 

 

 

 

 

Annual Percentage Yields are accurate as of publication date and are subject to change without notice. Dividends are compounded daily and credited monthly on all accounts. The dividend period for all accounts is the calendar month. Additional deposits are not allowed on Share Certificates and IRA Share Certificates. Penalties apply for early withdrawal. Penalty may decrease principal. No monthly maintenance fee for Share Certificates and IRA Share Certificates. Please see Truth-in-Savings or Certificates disclosures for specific account requirements and restrictions.

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