Current Rates DIVIDEND RATES - Effective January 1, 2022 Personal & Business Savings Dividend Rate APY $100 - $49,999.99 0.10% 0.10% $50,000 & $99,999.99 0.15% 0.15% $100,000 & above 0.20% 0.20% Club Accounts Dividend Rate APY All tiers 0.10% 0.10% Certificates of Deposit (Min. Deposit $10,000) Dividend Rate APY 12 Month 0.10% 0.10% 24 Month 0.20% 0.20% Jumbo Certificates of Deposit No promotional rates available at this time. Individual Retirement Accounts ($100,000 & above) Dividend Rate APY Traditional 0.20% 0.20% Roth 0.20% 0.20% Coverdell Education Savings 0.20% 0.20% Annual Percentage Yield $5 minimum share balance required Fees could reduce the earnings on the account Share accounts are variable rate accounts and are subject to change without notice A penalty may be imposed for early withdrawals Call or email for more information