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COD/Dividends

Certificates of Deposit

Min. Balance 6 Mo* 12 Mo* 24 Mo* 36 Mo* 48 Mo* 60 Mo*
$1,000 0.85% 0.85% 0.95% 1.05% 1.25% 1.30%
$25,000 0.95% 0.95% 1.05% 1.15% 1.30% 1.75%
$50,000 1.05% 1.05% 1.15% 1.35% 1.45% 2.15%
$75,000** N/A *** Neg *** *** *** ***
$245,000 N/A N/A *** *** *** ***

*All rates shown as Annual Percentage Yield.

*** Jumbo & Super Jumbo negotiable as stated above. 1-Jumbo $200,000 or more, 24 months and greater, rate Negotiable. Early withdrawal penalty. Rates and terms may change without notice.

Dividend Rates

Savings Accounts  
$500-$24,999.99 0.50%
$25,000 and up 0.75%
Kid's Club 2.00%*#
Christmas Club 2.00%** #

**2.00% APY dividend effective November 1, 2016 for Christmas Club accounts with up to $10,000 plus accrued dividends, Christmas Club accounts in excess of $10,000 plus accrued dividends earn a 0.05% APY dividend.

* 2.00% APY dividend for Kid's Club accounts with up to $50,000, Kid's club accounts in excess of $50,000 earn 0.05%. New Kid's club accounts opened after January 1, 2017, will be required to be sub-account of the parent, relative/legal guardian account and have E-Statement on this account to earn the 2.00% APY. Kid's Club accounts are only available for children up to age 18.

# Ask for details to earn posted rates.


Checking Accounts  
$300-$999.99 0.00%
$1000 and up 0.00%

Enhanced Checking  
Qualified Accounts 2.25%
Unqualified Accounts 0.05%

*Review the Truth in Savings – Checking and Savings brochure for details on how to have a qualified account.


Baby Boomer Checking  
$5,000 and up 0.50%

IRA Accounts  
$0.00-$4,999.99 1.00%
$5,000-$24,999.99 1.00%
$25,000-$74,999.99 1.25%
$75,000 and up 1.25%

*Annual Percentage Yield

**See Truth-In-Savings Account Disclosure For More Information