Rates updated September 13, 2017

AccountsAPR*APY*
Savings & Club Accounts
$1000 to $99,999.990.05%0.05%
$100,000 and Up0.10%0.10%
Funds Manager Account
$1,000 to $9,999.990.07%0.07%
$10,000 to $24,999.990.12%0.12%
$25,000 to $49,999.990.16%0.16%
$50,000 to $99,999.990.20%0.20%
$100,000 and Up0.24%0.24%
Checking Accounts
Smart Checking Meeting Criteria- $.01-$10,0001.50%1.51%
Smart Checking Meeting Criteria-Over $10,0000.15%0.15%
Smart Checking Balances that don't meet the criteria0.01%0.01%
Checking 0180.00%0.00%
IRAs (Individual Retirement Accounts)
Traditional & Roth0.30%0.30%
Coverdell ESA0.30%0.30%
Restrictions:  $1000 minimum to open Funds Manager. $100 minimum to open IRAs. 3 criteria needed for smart checking-receive e-statements; have one ACH deposit or withdrawal each calendar month; have 10 debit card transactions clear as signature based transaction each calendar month.
Share or IRA Certificates of DepositAPR*APY*
Share Certificates of Deposit
3 months0.15%0.15%
6 months0.30%0.30%
12 months0.60%0.60%
18 months0.70%0.70%
24 months0.75%0.75%
30 months0.85%0.85%
36 months1.19%1.20%
48 months1.39%1.40%
60 months1.59%1.60%
Restrictions: $1000 minimum to open Share Certificates of deposit; $20 minimum to open Payroll Certificate; Payroll certificate rates use regular certificate rates to determine payroll certificate rate based on the term of the payroll certificate. All certificates can be IRA certificates.

*APR=Annual Percentage Rate, APY=Annual Percentage Yield.  All rates are determined monthly and are subject to change.  Dividends are computed daily and are posted at the end of the month with no compounding.  Share certificates of deposit pay on a 365 basis.

Share Truth In Savings Disclosures