Rates are current as of September 10 2026, and subject to change without notice.
SAVINGS
| Account Type | Dividend Rate | APY* | Minimum Balance to Earn Dividends | Minimum Opening Deposit |
|---|---|---|---|---|
| Savings | 0.10% | 0.10% | $10.00 | $5.00 |
| Premium Savings | 0.20% | 0.20% | $1,000.00 | $1,000.00 |
| Sid/Blue Star Savings | 0.10% | 0.10% | $1.00 | N/A |
| Holiday/Vacation Club 1 | 0.10% | 0.10% | $10.00 | $2.00 |
| Burial | 0.10% | 0.10% | $10.00 | $5.00 |
| IRA Statement | 0.30% | 0.30% | $100.00 | $100.00 |
| Escrow | 0.05% | 0.05% | N/A | N/A |
| Life Savings ~ | 0.00% | 0.00% | N/A | N/A |
CHECKING
| Account Type | Dividend Rate | APY* | Minimum Balance to Earn Dividends | Minimum Opening Deposit |
|---|---|---|---|---|
| Freedom Checking | 0.00% | 0.00% | N/A | $5.00 |
| Choice Checking | 0.05% | 0.05% | $10.00 | $1,000.00 |
| Premium Checking 2 | 0.20% | 0.20% | $10.00 | $5,000.00 |
MONEY MARKET
| Account Type | Tier | Dividend Rate | APY* | Minimum Balance to Earn Dividends | Minimum Opening Deposit |
|---|---|---|---|---|---|
| 0.05% | 0.05% | $10.00 | $2,500.00 | ||
| 2 | 0.10% | 0.10% | $2,500.00 | $2,500.00 | |
| Money Market | 0.15% | 0.15% | $5,000.00 | $2,500.00 | |
| 0.20% | 0.20% | $10,000.00 | $2,500.00 | ||
| 0.25% | 0.25% | $25,000.00 | $2,500.00 | ||
| 6 | 0.35% | 0.35% | $100,000.00 | $2,500.00 | |
| 1 | 0.05% | 0.05% | $10.00 | $25,000.00 | |
| Premium Money Market ~ | 2 | 0.10% | 0.10% | $2,500.00 | $25,000.00 |
| 3 | 0.15% | 0.15% | $5,000.00 | $25,000.00 | |
| 4 | 0.20% | 0.20% | $10,000.00 | $25,000.00 | |
| 5 | 0.50% | 0.50% | $25,000.00 | $25,000.00 |
SHARE CERTIFICATES
| Term | Dividend Rate | APY** | Minimum Balance to Earn Dividends | Minimum Opening Deposit |
|---|---|---|---|---|
| 6 Month | 3.00% | 3.04% | $500.00 | $500.00 |
| 9 Month Special | 3.69% | 3.75% | $500.00 | $500.00 |
| 12 Month Special | 3.93% | 4.00% | $500.00 | $500.00 |
| 24 Month | 3.40% | 3.45% | $500.00 | $500.00 |
| 36 Month | 3.20% | 3.25% | $500.00 | $500.00 |
| 48 Month | 3.01% | 3.05% | $500.00 | $500.00 |
| 60 Month | 3.01% | 3.05% | $500.00 | $500.00 |
| 30 Month ~ | 3.30% | 3.35% | $500.00 | $500.00 |
| 33 Month ~ | 3.30% | 3.35% | $500.00 | $500.00 |
* Annual Percentage Yield (APY). Fees assessed will reduce earnings. $5.00 member share required. Other restrictions may apply.
** Annual Percentage Yield (APY) assumes that dividends remain on deposit until maturity. Early withdrawal is subject to penalty and will reduce earnings. Jumbo CD rate available on balances of $100,000 or more – add .10% basis points over current rate. $5.00 member share required. Other restrictions may apply.
1 Early withdrawal is subject to penalty.
2 Premium Checking combined balance includes checking and savings suffixes under the same main share. Club accounts, escrow, utility, business, DBA, Sid Saver, share certificates, and individual retirement account balances are not included.
~ Not available as a new account. Rates provided for existing account renewals only.
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