Savings Rates

Share
Share Account
  Dividend Rate APY*
  0.150% 0.15%
  • $25.00 minimum balance required to open and maintain the share account
  • Minimum balance to earn stated dividend: $25.00
  • Balance method: average daily balance
  • Monthly account fee: none
  • Rates shown are subject to change after account is opened
  • Dividends: compounded monthly; credited monthly
  • Transfer limits apply
  • Fees can reduce earnings
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018
You Name It and Holiday Share Savings Accounts
  Dividend Rate APY*
  0.150% 0.15%
  • Minimum opening deposit: $0
  • Minimum balance to earn stated dividend: $0
  • Balance method: average daily balance
  • Monthly account fee: none
  • Rates shown are subject to change after account is opened
  • Dividends: compounded monthly; credited monthly
  • Transfer limits apply
  • Fees can reduce earnings
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018
Build a Dream Savings Club
Balance Dividend Rate APY*
$25 - $3000 1.342% 1.35%
> $3000   0.15%
  • One Build a Dream Savings Club per Membership
  • Minimum Opening Deposit: $25.00
  • Minimum balance to earn stated dividend: $25.00
  • Maximum Balance to earn premium rate: $3,000.00
  • Balance method: average daily balance
  • Term: 1 year (member can choose initial maturity date to coincide with date of savings goal)
  • Additional Deposits: Unlimited allowed
  • Dividends: compounded monthly; credited monthly
  • Early withdrawal penalties apply
  • Rates shown are subject to change after account is opened
  • Fees can reduce earnings
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018

*Annual Percentage Yield

Money Market Account
Balance Dividend Rate APY*
$1,000 - 9,999.99 0.200% 0.20%
$10,000.00 - 24,999.99 0.250% 0.25%
$25,000.00 - 49,999.99 0.300% 0.30%
$50,000.00 - 99,999.99 0.350% 0.35%
$100,000 and Up 0.399% 0.40%
  • Minimum opening balance: $1000.00
  • Minimum required balance to avoid fees: $1000.00
  • Minimum balance to earn lowest rate listed: $1000.00
  • Balance method: average daily balance
  • Fee for minimum balance not met: $10.00
  • Account transfer limitations apply
  • Rates shown are subject to change after account is opened
  • Dividends: compounded monthly; credited monthly
  • Fees can reduce earnings
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018

*Annual Percentage Yield

Regular Share Certificates
  Dividend Rate APY*
3 Month 0.250% 0.25%
6 Month 0.499% 0.50%
12 Month 1.144% 1.15%
24 Month 1.490% 1.50%
36 Month 1.638% 1.65%
48 Month 1.736% 1.75%
60 Month 1.982% 2.00%
  • Minimum opening deposit: $500.00
  • Minimum balance required to earn stated rate: $500.00
  • Monthly account fee: None
  • Rates shown are subject to change
  • Dividends: compounded monthly; credited monthly
  • Early withdrawal penalties apply
  • Dividend withdrawal: allowed
  • Additional deposit: not permitted
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018

Jumbo Share Certificates
  Dividend Rate APY*
3 Month 0.300% 0.30%
6 Month 0.549% 0.55%
12 Month 1.193% 1.20%
24 Month 1.539% 1.55%
36 Month 1.687% 1.70%
48 Month 1.785% 1.80%
60 Month 2.031% 2.05%
  • Minimum opening deposit: $50,000.00
  • Minimum balance required to earn stated rate: $50,000.00
  • Balance method: average daily balance
  • Monthly account fee: none
  • Rates shown are subject to change
  • Dividends: compounded monthly; credited monthly
  • Early withdrawal penalties apply
  • Dividend withdrawal: allowed
  • Additional deposit: not permitted
  • Truth-in-Savings Disclosure
  • Effective February 1, 2018
Youth Certificate - 18 years of age or younger
  Dividend Rate APY*
12 Month 0.490% 0.50%
  • Minimum opening deposit: $25.00
  • Minimum balance required to earn stated rate: $25.00
  • Balance method: average daily balance
  • Monthly account fee: None
  • Rates shown are subject to change
  • Dividends: compounded monthly; credited monthly
  • Early withdrawal penalties apply
  • Dividend withdrawal: allowed
  • Additional deposit: allowed
  • Restrictions do apply
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018

*Annual Percentage Yield

IRA, Roth IRA & Coverdell Share Certificates
  Dividend Rate APY*
3 Month 0.250% 0.25%
6 Month 0.499% 0.50%
12 Month 1.144% 1.15%
24 Month 1.490% 1.50%
36 Month 1.638% 1.65%
48 Month 1.736% 1.75%
60 Month 1.982% 2.00%
  • Minimum opening deposit: $500.00
  • Minimum balance required to earn stated dividend: $500.00
  • Monthly account fee: None
  • Rates shown are subject to change
  • Dividends: compounded Monthly; credited Monthly
  • Early withdrawal penalties apply
  • Dividend withdrawal: allowed
  • Additional deposit: not permitted
  • IRA restrictions apply
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018
Jumbo IRA, Roth IRA, & Coverdell Share Certificates
  Dividend Rate APY*
3 Month 0.300% 0.30%
6 Month 0.549% 0.55%
12 Month 1.193% 1.20%
24 Month 1.539% 1.55%
36 Month 1.687% 1.70%
48 Month 1.785% 1.80%
60 Month 2.031% 2.05%
  • Minimum opening deposit: $50,000.00
  • Minimum balance to earn lowest stated dividend: $50,000.00
  • Balance method: average daily balance
  • Monthly account fee: none
  • Rates shown are subject to change
  • Dividends: compounded monthly; credited monthly
  • Early withdrawal penalties apply
  • Dividend withdrawal: allowed
  • Additional deposit: not permitted
  • IRA restrictions apply
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018
IRA & Roth IRA Money Market Account
  Dividend Rate APY*
$1,000-9,999.99 0.200% 0.20%
$10,000.00-24,999.99 0.250% 0.25%
$25,000.00-49,999.99 0.300% 0.30%
$50,000.00 - 99,999.99 0.349% 0.35%
$100,000 and Up 0.399% 0.40%
  • Minimum opening deposit: $1,000
  • Minimum balance required to earn lowest stated dividend listed: $1,000
  • Minimum balance fee: $10
  • Balance method: average daily balance
  • Monthly account fee: none
  • Rates shown are subject to change after account is opened
  • Dividends: compounded monthly; credited monthly
  • Early withdrawal penalties apply
  • Dividend withdrawal: allowed
  • IRA restrictions apply
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018
Golden IRA Money Market
  Dividend Rate APY*
  0.399% 0.40%
  • Minimum opening deposit: $50,000
  • Minimum balance to earn stated dividends: $100
  • Balance method: average daily balance
  • Monthly account fee: none
  • Rates shown are subject to change after account is opened
  • Dividends: compounded monthly; credited monthly
  • Account transfer limitations apply
  • IRA restrictions apply
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018

*Annual Percentage Yield

Brewster Share Account
  Dividend Rate APY*
  0.150% 0.15%
  • $25.00 minimum balance required to open and maintain the share account
  • Minimum balance required to earn stated dividend: $25.00
  • Balance method: average daily balance
  • Monthly account fee: none
  • Rates shown are subject to change after account is opened
  • Dividends: compounded monthly; credited monthly
  • Transfer limits apply
  • Fees can reduce earnings
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018
Learn to Earn Savings Club
Balance Dividend Rate** APY*
$25 - $3000 1.342% 1.35%
>$3000   0.15%
  • One Learn to Earn Savings Club per Membership
  • Reserved for members 18 years of age and younger
  • Minimum Opening Deposit: $25.00
  • Minimum balance to earn stated dividend: $25.00
  • Maximum Balance to earn premium rate: $3,000.00
  • Term: 1 year (member can choose initial maturity date to coincide with date of savings goal)
  • Additional Deposits: Unlimited allowed
  • Dividends: Compounded and credited monthly based on average Daily Balance
  • Early withdrawal penalties apply
  • Fees can reduce earnings
  • Rates shown are subject to change after account is opened
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018
Youth Certificate
  Dividend Rate APY*
12 Month 0.490% 0.50%
  • Minimum opening deposit: $25.00
  • Minimum balance to earn stated dividend: $25.00
  • Balance method: average daily balance
  • Monthly account fee: none
  • Rates shown are subject to change
  • Dividends: compounded monthly; credited monthly
  • Early withdrawal penalties apply
  • Dividend withdrawal: allowed
  • Additional deposit: allowed
  • Truth-in-Savings Disclosure
  • Effective: February 1, 2018

*Annual Percentage Yield