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Home / Deposit Rates

Deposit Rates

Savings Accounts

Rates are effective as of October 1, 2025
AccountDividend (D) / Interest (I) RateAnnual Percentage Yield
(APY)*
Share Savings (D)1.001.00 APY
Holiday Club (I)1.001.00 APY
Vacation Club (I)1.001.00 APY
IRA Deposit Account (I)1.992.00 APY
WINcentive™ Savings (I)1.00 1.00 APY
Members Money Savings Account (I)
$100.00 – $24,999.991.001.00 APY
$25,000.00 – $49,999.991.591.60 APY
$50,000.00 +2.232.25 APY
Health Savings Account (HSA) (I)
$10.00 – $2,499.991.051.05 APY
$2,500.00 – $9,999.991.291.30 APY
$10,000.00 +1.741.75 APY

* Annual percentage yield (APY) is based on interest being paid quarterly and that interest remains on deposit.  A withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. Subject to change without notice.  Balance must be $10.00 or greater to earn interest.

Certificates of Deposit and IRA CDs

Rates are effective as of October 1, 2025
TermMinimumInterest RateAnnual Percentage Yield (APY) *
6 months$1,0003.883.95 APY
12 months$1,0003.693.75 APY
18 months$1,0003.403.45 APY
24 months$1,0003.493.55 APY
36 months$1,0003.353.40 APY
48 months$1,0003.353.40 APY

* Annual percentage yield (APY) is based on interest being paid monthly and that interest remains on deposit until maturity.  A withdrawal of interest will reduce earnings.  Fees could reduce the earnings on the account.  Subject to penalty for early withdrawal.  Limited time offer.  Subject to change without notice.

Checking Accounts

Rates are effective as of January 1, 2025
AccountInterest RateAnnual Percentage Yield (APY)*
Premier Checking.20.20 APY
Member Advantage Checking.20.20 APY

* Annual percentage yield (APY) is based on interest being paid monthly and that interest remains on deposit.  A withdrawal of interest will reduce earnings. Fees could reduce the earnings on the account. Subject to change without notice.  Average daily balance must be $1,000 or higher to earn interest.