Loan Rates Savings Rates Savings Rates Open an Account Print Rates Current Savings Rates Effective 12/31/2019 Certificates Term Annual Percentage Yield 6 Months 0.30% 12 Months 1.77% 12 Months Save to Win Certificate* 0.50% 15 Months 1.01% 18 Months 1.16% 24 Months 1.21% 30 Months 1.26% 36 Months 1.31% 48 Months 1.36% 60 Months 1.46% *Save to Win Certificate minimum deposit $25.00. Save to Win product guidelines. Share Certificates minimum deposit $1,000. IRA Certificates and Smart Start Certificates minimum deposit $500. Certificate deposits are subject to penalty for early withdrawal. Fees may reduce earnings. Money Market Account Balance Annual Percentage Yield $2,500 to $9,999 0.05% $10,000 to $24,999 0.15% $25,000 to $49,999 0.25% $50,000 and over 0.35% Minimum deposit $2,500 Savings Accounts Account Type Annual Percentage Yield Prime Share Savings 0.05% Personalized Savings 0.05% Smart Start Account 0.05% Kids Club Account 0.05% Minimum deposit $5.00 IRA Money Market Balance Annual Percentage Yield $0 to $2,499 0.05% $2,500 to $9,999 0.05% $10,000 to $24,999 0.15% $25,000 to $49,999 0.25% $50,000 and over 0.35% Premium Checking Balance Annual Percentage Yield $0 to $999 0.00% $1,000 and over 0.00% Minimum deposit $5.00