Loan Rates Share and Checking Accounts Certificates and IRAs

Effective as of: October 1, 2017
 
Share and Checking Account Rates
Regular Share*
Deposit BalanceDividend RateA.P.Y*
$50 and over0.05%0.05%
 
IRA Savings*
Deposit BalanceDividend RateA.P.Y*
$100 and Over1.00%1.00%
 
Club Accounts - Holiday/Vacation*
Deposit BalanceDividend RateA.P.Y*
$50 and over0.05%0.05%
 
Summer Savings Account for School Employees
Deposit Balance Dividend RateAPY*
$50 and over 3.50%3.50%
Any withdrawals before the July 1, August 1, and September 1 disbursement months will revert back to the regular share rate.

Minimum Balance and Deposit Requirements
The minimum deposit required for you to open your Summer Savings Account is $5. You must maintain a minimum average daily balance of $50 to obtain the Annual Percentage Yield stated on the Rate Schedule. Summer Savings account maximum is a total deposit of $15,000.

Transaction Limitations
Our Summer Savings Account may be opened at any time. Funds will be disbursed to you on or about July 1, August 1, or September 1. If you close or make an early withdrawal from the Summer Savings Account before the distribution date, all dividends will be forfeited. Also, if you make a withdrawal from your account before the distribution date, the Summer Savings Account dividend rate will convert to the Regular Savings Account dividend rate as stated on the Rate Schedule.

 
Safeguard Checking*
Opening BalanceDividend RateA.P.Y*
$250.00%0.00%
With only one Safeguard account, you and all members of your household will get identity theft protection service (IDProtect).
A monthly maintenance of $3.95 applies on this account. Reduced monthly maintenance is available – as low as $1.95 with a monthly $500 cumulative automatic deposit and eStatements. Members age 65 and up qualify for reduced monthly maintenance with no additional requirements.
Students aged 24 and under also qualify with eStatements.
 
Dividend Checking*
Opening BalanceDividend RateA.P.Y*
$250.05%0.05%
Maintain $1,000 min. balance to obtain stated
A.P.Y. See Account Description for details.
 
Simple Checking*
Opening BalanceDividend RateA.P.Y*
$250.00%0.00%
 
Money Market Account*
Deposit BalanceDividend RateA.P.Y*
$2,000 - $9,999.99.05%.05%
$10,000 - $24,999.99.05%.05%
$25,000 - $49,999.99.05%.05%
$50,000 and over.05%.05%
Money Market rates are determined weekly
 
Premium Money Market*
Deposit BalanceDividend RateA.P.Y*
$50,000 - and over.05%.05%
Money Market rates are determined weekly
 
*A.P.Y.: Annual Percentage Yield. Rates subject to change without notice at any time. Certain conditions and restrictions may apply. Please call or see our Truth-in-Savings disclosure for details. Safeguard Checking: Open this account with a minimum deposit of $25. A monthly maintenance of $3.95 applies on this account. Reduced monthly maintenance is available – as low as $1.95 with a monthly $500 cumulative automatic deposit and eStatements. Members age 65 qualify for reduced monthly maintenance with no additional requirements met; Students age 24 and under also qualify with eStatements. Please see our checking accounts at-a-glance chart, Fee Schedule, and Truth-in-Savings disclosure for details. IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/ or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.