Share Accounts

Share dividends are declared by the Board of Directors effective the end of each quarter and are posted to your account on the first day of the next month.

Share/Special Savings/Christmas Club/Extreme Teen/Scottie Savers

Minimum Balance	Dividend Rate	APY*
$100 - $1,999	0.20%	0.20%
$2,000 - $4,999	0.25%	0.25%
$5,000 - $9,999	0.35%	0.35%
$10,000 and above	0.40%	0.40%
*Annual Percentage Yield.
Rates are subject to change without notice. Fees may reduce earnings. Dividends last declared 3/31/2024.

Share Certificates

Term	Dividend Rate	APY*
6 month	4.20%	4.27%
12 month	4.25%	4.32%
18 month	4.25%	4.32%
24 month	4.00%	4.06%
36 month	3.85%	3.91%
48 month	3.85%	3.91%
60 month	3.85%	3.91%
*Annual Percentage Yield.
Advertised Rates are subject to change without notice. Early Withdrawal Penalties May Apply. Rates last updated 1/1/2025.

IRA Shares

Minimum Balance	Dividend Rate	APY*
$100 - $1,999	0.20%	0.20%
$2,000 - $4,999	0.25%	0.25%
$5,000 - $9,999	0.35%	0.35%
$10,000 and above	0.40%	0.40%
*Annual Percentage Yield.
Advertised Rates are subject to change without notice. Fees May reduce earnings. Early withdrawal penalties may apply. Dividends last declared 3/31/2024.

IRA Certificates

Term	Dividend Rate	APY*
6 month	4.20%	4.27%
12 month	4.25%	4.32%
18 month	4.25%	4.32%
24 month	4.00%	4.06%
36 month	3.85%	3.91%
48 month	3.85%	3.91%
60 month	3.85%	3.91%
*Annual Percentage Yield.
Advertised Rates are subject to change without notice. Early Withdrawal Penalties May Apply. Rates last updated 1/1/2025.

Share Draft/Checking

Share draft dividends are declared by the Board of Directors effective the end of each quarter and are posted to your account on the first day of the next month. Dividends are paid on the following share draft types: Regular, Performance, and Prime-timers.

Minimum Balance	Dividend Rate	APY*
$100 - $1,999	0.20%	0.20%
$2,000 - $4,999	0.25%	0.25%
$5,000 - $9,999	0.35%	0.35%
$10,000 and above	0.40%	0.40%
*Annual Percentage Yield.
Rates are subject to change without notice. Fees may reduce earnings. Dividends last declared 3/31/2024

Rates Quick View

Loan Rates	(% As Low As) APR*
Auto	5.50%
Boats	5.50%
Motorcycles	5.50%
Personal Loans	9.00%
Share Secured	4.00%

Certificate Rates	(% As High As) APY*
6 months	4.27%
12 months	4.32%
18 months	4.32%
24 months	4.06%
36 months	3.91%
48 months	3.91%
60 months	3.91%

View All Rates

*APR = Annual Percentage Rate
*APY = Annual Percentage Yield
Rates are subject to change without notice