You can’t predict the future, but you can save for it.

Signature Share Accounts allow you to grow your savings for different uses at a later date. Compare minimum deposits, dividend rates and terms to find the Share Account that fits with your investment strategy -- there might be more than one.

And we’d like to help you figure it out – talk to a real person about your questions at (800) 336.0284.

Compare Share Accounts and Rates

Share Rates
Product Type Minimum Balance to Open Minimum Balance to Earn APY Annual Percentage Yield (APY)
Savings/Signature Savings $5 $5 0.00%
Savings/Signature Savings $5 $100 0.30%
IRA Savings $0 $0 0.70%
Money Market Account $0 $500 0.35%
$10,000 0.55%
$50,000 0.80%
Legacy Money Market $0 $500 0.35%
$10,000 0.55%
$50,000 0.80%
Standard Checking $0 $0 0.10%
Legacy Checking $0 $0 0.20%
Choice Checking - High Yield2 $0 $0 3.00%
$15,001 0.10%
Choice Checking - ATM/Rewards $0 $0 0.10%


Jumbo Share and IRA Certificate Rates
Certificate Type Minimum Balance to Open and
Earn APY
5 Year $100,000 2.36%
4 Year $100,000 2.00%
3 Year $100,000 1.90%
2 Year $100,000 1.80%
1 Year $100,000 1.60%

Jumbo Share certificates are available as regular share  and IRA certificates but are not available with the payroll option. No additions can be made to the certificate after opening. 

Share and IRA Certificate Rates (Share/IRA/Roth/ESA)
Certificate Type Minimum Balance to Open and Earn APY APY
5 Year $500 2.25%
4 Year $500 1.90%
3 Year $500 1.80%
24 Month $500 1.70%
18 Month $500 1.60%
12 Month $500 1.50%
9 Month $500 0.90%
6 Month $500 0.80%
3 Month $500 0.70%

Special Payroll Certificates

Are you looking for a certificate that you can add to monthly? Our special Payroll Certificates allow you to start saving with just a $500 minimum opening balance and then you can add money to it monthly and watch it grow while earning a higher dividend than a share savings or money market account.

  • Available in 1-, 2-, and 3-year terms
  • 0.25% lower in rate than the regular 1-, 2-, and 3-year certificate rates listed above
  • Set up a recurring automatic deposit into the certificate each month to increase the certificate amount
  • Not eligible with IRAs or Jumbo Certificates

For more information about Signature Payroll Certificates or to open a certificate, please contact one of our qualified Representatives at (800) 336.0284.


For all term share accounts (Share Certificates) a penalty may be assessed for early withdrawal of funds from Share Certificates.

Rates are set by the Board of Directors and may change without notice. Rates may also change on your account after it’s opened. Fees or other charges could reduce the earnings on the account. For current rates and account information call (800) 336.0284.

1Money Market Accounts – Annual Percentage Yield changes monthly. Limited to 6 withdrawals per month, of which not more than 3 may be by check.

2Choice Checking-High Yield has certain requirements that must be met: The debit card must be used at least 10 times and there must be a total of $1,000 being directly deposited into the account each month. The member must be enrolled in e-statements and can only have one Choice Checking per account. If any of the requirements are not met, the account will earn the standard checking account rate for that month. Balances above $15,000 earn the standard checking APY while balances below $15,000 will earn the High Yield APY.