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Member Rates

Certificate/Money Market Rates


TypeDividend RateAPY
12 Months1.490%1.50%
24 Months1.736%1.75%
Rates effective 01/01/2023


TypeDividend RateAPY
6 Months1.243%1.25%
12 Months1.490%1.50%
13-Month Special*3.928%4.00%
15 Months^1.490%1.50%
18 Months1.736%1.75%
24 Months1.736%1.75%
36 Months1.982%2.00%
37-Month Special^3.445%3.50%
48 Months2.080%2.10%
60 Months2.472%2.50%
Rates effective 01/01/2023

Money Market

TypeDividend RateAPY
$2,500 – $24,9990.995%1.00%
$25,000 – $49,9991.094%1.10%
$50,000 – $99,9991.193%1.20%
$100,000 +1.243%1.25%
Rates effective 01/01/2023

APY = Annual Percentage Yield. Programs, rates, terms, and conditions are subject to change without notice. Early withdrawal penalty – 90 days (interest forfeited) – Dividends compounded, credited monthly. Certificates minimum opening balance of $1,000 unless otherwise noted. Ask us for further information about the terms, fees, and specials that may apply to these accounts.

*13-month certificate specials require a minimum $5,000 opening balance.

^No longer offering new 15-month certificates, 37-month certificates or Golden Classics Account status rate incentives.


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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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