Effective 10.18.2023

Savings & Checking

Share Certificate Rates

*APY = Annual Percentage Yield. APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.  For all accounts, the Annual Percentage Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account.  For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.  A withdrawal of dividends will reduce earnings.
DIVIDEND PERIOD.  For each account the dividend period is the account’s term.  The dividend period begins on the first day of the term and ends on the maturity date.
Dividend Compounding and Crediting.  The compounding and crediting frequency of dividends are stated in the Rate Schedule. (please call office for information)
EARLY WITHDRAWAL PENALTY.  For Certificate accounts, the amount of early withdrawal penalty for your account is 32 days dividend.