Rates

Savings Account Rates
Effective Date: Monday, September 24th, 2018
NameDividend RateAnnual Percentage Yield
Primary Savings 0.10% 0.10%
Secondary Savings 0.10% 0.10%
M3 Money Club 0.10% 0.10%
Elements of Money 0.10% 0.10%
eCount Savings 0.10% 0.10%
IRA Savings 0.30% 0.30%
Dividends are paid and compounded quarterly on all savings accounts. Rate may change after the account is opened. APY is accurate as of the above effective date. Fees may reduce earnings. Must maintain a minimum average daily balance of $50.00 in your share savings account to obtain the disclosed annual percentage yield.

Share Certificate Rates
Effective Date: Monday, September 24th, 2018
$1,000 minimum deposit
TermDividend RateAnnual Percentage Yield
6 month 0.75% 0.75%
1 year 1.00% 1.00%
2 years 1.59% 1.60%
3 years 2.18% 2.20%
4 years 1.74% 1.75%
5 years 1.59% 1.60%
18 month special-
new money only
1.99% 2.00%
Dividends are paid and compounded quarterly on all certificate accounts. Share certificate minimum starting balance $1,000.00. Must maintain a minimum balance of $1,000 to obtain the disclosed annual percentage yield. Annual Percentage Yield is accurate as of Effective Date stated above. Fees may reduce earnings. Terms and conditions may differ for specials.

eCount Certificates of Deposit
Effective Date: Monday, September 24th, 2018
TermDividend RateAnnual Percentage Yield
Minimum $500.00 deposit to open
6 Month 0.75% 0.75%
1 Year 1.00% 1.00%
Dividends are paid and compounded quarterly on all certificate accounts. eCount certificate minimum starting balance of $500.00. Must maintain a minimum balance of $500.00 to obtain the disclosed annual percentage yield. Terms and conditions may differ for specials. Fees may reduce earnings.

Traditional & Roth IRA Share Certificate Rates
Effective Date: Monday, September 24th, 2018
$1,000 minimum deposit
TermDividend RateAnnual Percentage Yield
1 year 1.00% 1.00%
2 years 1.59% 1.60%
3 years 2.18% 2.20%
4 years 1.74% 1.75%
5 years 1.59% 1.60%
Dividends are paid and compounded quarterly on all certificate accounts. Regular share certificates minimum starting balance $1,000.00. Must maintain a minimum balance of $1,000 to obtain the disclosed annual percentage yield. eCount certificate minimum starting balance of $500.00. Must maintain a minimum balance of $500.00 to obtain the disclosed annual percentage yield. Kids and Teen club certificates minimum starting balance $50.00. Must maintain a minimum balance of $50.00 to obtain the disclosed annual percentage yield. Terms and conditions may differ for specials. A penalty may be imposed for withdrawals before maturity. The penalty we may impose will equal 90 days of accrued dividends. Click the "Disclosures" link on bottom of the page for complete terms and conditions on all accounts.

Money Market Account Rates
Effective Date: Monday, September 24th, 2018
BalanceDividend RateAnnual Percentage Yield
$1,500 - $24,999.99 0.15% 0.15%
$25,000 - $49,999.99 0.20% 0.20%
$50,000 - $74,999.99 0.25% 0.25%
$75,000 - $99,999.99 0.25% 0.25%
$100,000 & Over 0.30% 0.30%
Dividends are paid and compounded monthly. Must maintain a minimum balance of $1,500 to obtain the disclosed annual percentage yield. Withdrawals limited to four per calendar month. Withdrawals in excess of four per month will be charged a $25.00 excess withdrawal fee. No withdrawal minimum. Fees may reduce earnings.

eCount Money Market
Effective Date: Monday, September 24th, 2018
BalanceDividend RateAnnual Percentage Yield
Minimum deposit of $1,000.00 to open.
$1,000 to $19,999.99 0.10% 0.10%
$20,000 to $44,999.99 0.15% 0.15%
$45,000 to $69,999.99 0.20% 0.20%
$70,000 to $94,999.99 0.25% 0.25%
$95,000+ 0.30% 0.30%
Dividends are paid and compounded monthly. eCount members must maintain a minimum balance of $1,000 to obtain disclosed annual percentage yield. Withdrawals limited to four per calendar month. Withdrawals in excess of four per month will be charged a $25.00 excess withdrawal fee. No withdrawal minimum. Fees may reduce earnings.

Advantage Interest Checking
Effective Date: Monday, September 24th, 2018
BalanceDividend RateAnnual Percentage Yield
$0 to $2,499.99 0.10% 0.10%
$2,500 to $9,999.99 0.15% 0.15%
$10,000 to $24,999.99 0.20% 0.20%
$25,000 to $99,999.99 0.30% 0.30%
$100,000 + 0.40% 0.40%
Dividends are paid and compounded monthly. No minimum balance requirements required to open account. No minimum balance required to earn dividends. Must maintain $1,000.00 minimum average daily balance to obtain the disclosed Annual Percentage Yield. Rate may change after account open. Fees may reduce earnings.

Health Savings Account Rates
Effective Date: Monday, September 24th, 2018
BalanceDividend RateAnnual Percentage Yield
$100 - $999.99 0.50% 0.50%
$1,000 - $4,999.99 0.75% 0.75%
$5,000 - $9,999.99 1.00% 1.00%
$10,000 & Over 1.00% 1.00%
Dividends are paid and compounded quarterly on all health savings accounts. Minimum starting balance of $50.00. Must maintain a minimum average daily balance of $100.00 in your health savings account to obtain the disclosed annual percentage yield. Rate may change after the account is opened. Fees may reduce earnings.

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