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Individual Retirement Accounts
Individual Retirement Accounts
 
Details Rates Tools Start Today    
Rates shown below are those in effect as of , and may be subject to change at any time.

DAILY ACCESS ACCOUNTS MINIMUM BALANCE RATE/APY1
Regular Share/Savings Account 
Yields may change weekly. Dividends accrued daily, paid quarterly.
$5 0.050 / 0.05%
Money Market Savings
Yields may change weekly. Dividends accrued daily, paid monthly. Minimum balance to open is $2,500.
$2,500 and above 
 under $2,500
0.050 / 0.05%
 0.050 / 0.05%
Checking Plus
Dividends accrued daily, paid monthly
(Fees incurred may reduce earnings.) 
$1,000 and above
under $1,000
0.050 / 0.05%
0.050 / 0.05%
Money Market Checking and IRA Money Market Accounts
Yields may change daily. Dividends accrued daily, paid monthly. Minimum balance to open is $2,500.
$2,500 and above 
 under $2,500
0.050 / 0.05%
0.050 / 0.05%
Contributory Traditional and Roth IRA Accounts
Yields may change weekly. Dividends are paid quarterly. 
    With Payroll Deduction
    Without Payroll Deduction  




$1
$100




0.050 / 0.05%
0.050 / 0.05%

SHARE CERTIFICATES –
REGULAR CERTIFICATES/ 
TRADITIONAL IRA/ ROTH IRA 2

LENGTH OF TERM RATE/APY1 RATE/APY1
Minimum Balance $1,000.

Certificates opened will earn dividends at yields shown until they mature. 

Dividends are paid monthly and at maturity.

Youth Club Share Certificates - Available at regular certificate yields with a minimum balance of $200. Not applicable with 18 month and 5 year share certificate products. 
$100,000 and above
3 month
6 month
12 month
18 month bump-up3
18 month
2 year
3 year
4 year
5 year
Regular
0.300 / 0.30%
0.549 / 0.55%
0.698 / 0.70%
0.598 / 0.60%
0.698 / 0.70%
0.847 / 0.85%
0.995 / 1.00%
1.243 / 1.25%
1.884 / 1.90%
Traditional/Roth IRA
0.449 / 0.45%
0.698 / 0.70%
0.847 / 0.85%
0.747 / 0.75%
0.847 / 0.85%
0.995 / 1.00%
1.144 / 1.15%
1.391 / 1.40%
2.031 / 2.05%
Under $100,000
3 month 
6 month
12 month
18 month bump-up3
18 month
2 year
3 year
4 year
5 year
Regular
0.200 / 0.20%
0.449 / 0.45%
0.598 / 0.60%
0.499 / 0.50%
0.598 / 0.60%
0.747 / 0.75%
0.896 / 0.90%
1.144 / 1.15%
1.785 / 1.80%
Traditional/Roth IRA
0.349 / 0.35%
0.598 / 0.60%
0.747 / 0.75%
0.648 / 0.65%
0.747 / 0.75%
0.896 / 0.90%
1.045 / 1.05%
1.292 / 1.30%
1.933 / 1.95%

1 Dividend Rate/Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
2 $1,000 minimum balance required. No additional deposits accepted during certificate term. There is a substantial penalty for early withdrawal of certificate funds. Fees and other conditions may reduce earnings.
3 If rates go up, you can request a one-time rate adjustment to the higher prevailing APY during the original term of your certificate. Bump-up rate will match the then-current 18-Month Bump-Up Share Certificate rate in effect at time bump-up option is exercised. New rate will carry forward from the date of increase and will not be retroactive. Unless you indicate otherwise, at the time of maturity the certificate will be reinvested into the 18-month Share Certificate term (without the bump-up option) at the then-current rate in effect.
4 13-Month Regular and IRA share certificates 1% APY at any deposit amount.

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