Certificate, Money Market & Savings Rates

Rates effective: December 18, 2025

Share Certificate Rates

Term	Dividend Rate	APY*
3 Month	3.25%	3.29%
6 Month	3.40%	3.45%
12 Month	3.45%	3.51%
13 Month	3.45%	3.51%
18 Month	3.45%	3.51%
24 Month	3.50%	3.56%
30 Month	3.50%	3.56%
36 Month	3.50%	3.56%
48 Month	3.55%	3.61%
60 Month	3.55%	3.61%

 

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Money Market Rates

	Dividend Rate	APY*
$2,000.00 - $50,000.00	0.75%	0.75%
$50,000.01 - $100,000.00	1.00%	1.01%
$100,000.01 and up	1.25%	1.26%

 

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Savings Rates

	Dividend Rate	APY*
Regular Shares	0.10%	0.10%
IRA Shares	0.25%	0.25%
Christmas Club	0.15%	0.15%

*APY = Annual Percentage Yield
Monthly Interest Paid on All Accounts
Early Withdrawal Penalties may apply
**Rates are subject to change without notice**