Rates

Effective February 24, 2015

Share Certificates $0 to $9,999.99

Term APY Dividend Rate
3 Month 0.05% 0.05%
6 Month 0.10% 0.10%
12 Month 0.15% 0.15%
24 Month 0.25% 0.25%
36 Month 0.55% 0.55%
60 Month 1.25% 1.24%

 

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 0.10% 0.10%
6 Month 0.20% 0.20%
12 Month 0.35% 0.35%
24 Month 0.50% 0.50%
36 Month 0.80% 0.80%
60 Month 1.50% 1.49%

Share Certificates $25,000 to $49,999.99

Term APY Dividend Rate
3 Month 0.10% 0.10%
6 Month 0.20% 0.20%
12 Month 0.35% 0.35%
24 Month 0.50% 0.50%
36 Month 0.80% 0.80%
60 Month 1.50% 1.49%

 

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 0.10% 0.10%
6 Month 0.20% 0.20%
12 Month 0.35% 0.35%
24 Month 0.50% 0.50%
36 Month 0.80% 0.80%
60 Month 1.50% 1.49%

 

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
 0.03% 0.03%
$2,001 - $5,000
 0.05% 0.05%
$5,001 - $20,000 0.07% 0.07%
$20,000+ 0.10% 0.10%

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 0.20% 0.20%

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

Money Management Account

Minimum Balance
 APY Dividend Rate
$2,500.00 - $10,000.00
 0.05% 0.05%
$10,000.01+ 0.10% 0.10%

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

Interest Checking

Minimum Balance
 APY Dividend Rate
$0 - $499
 0.00% 0.00%
$500 - $2,499
 0.03% 0.03%
$2500+ 0.05% 0.05%

Minimum balance to earn dividends is $500. If balance falls below minimum during the month, no dividends are earned and a fee of $7.50 will apply.

IRA Share Certificates $0 TO $9,999.99

Term APY Dividend Rate
12 Month 0.15% 0.15%
18 Month 0.18% 0.18%
36 Month 0.60% 0.60%
60 Month 1.30% 1.29%

 

Minimum balance for IRA Share Certificates is $250.

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

Term APY Dividend Rate
12 Month 0.40% 0.40%
18 Month 0.43% 0.43%
36 Month 0.85% 0.85%
60 Month 1.55% 1.54%

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

Term APY Dividend Rate
12 Month 0.40% 0.40%
18 Month 0.43% 0.43%
36 Month 0.85% 0.85%
60 Month 1.55% 1.54%

 

Minimum balance for IRA Share Certificates is $250.

IRA Share Certificates $50,000+

Term APY Dividend Rate
12 Month 0.40% 0.40%
18 Month 0.43% 0.43%
36 Month 0.85% 0.85%
60 Month 1.55% 1.54%

 

Minimum balance for IRA Share Certificates is $250.

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.

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