Rates

Checking and Deposit Account Rates

Effective 1 January 2020 (note: best bang for buck in bold/red)

Account Type	Min. Balance	Rate1	APY2
Prime Share Savings	$100	0.250%	0.25%
Youth Saver (to age 18) (rate is for first $500; defaults to regular savings rate thereafter)	$25	1.01% 6.851%	1.01% (stand-alone) 7.07% (w/adult Local Advantage PLUS acc't)
Money Market ($100)	$100	0.150%	0.15%
Money Market ($100,000)	$100,000	0.399%	0.40%
Advantage Money Market ($10,000) (all Adv. Money Markets require 1 of the following: auto or real estate loan, or credit card, or Local Advantage PLUS checking)	$10,000	0.648%	0.65%
Advantage Money Market ($50,000)	$50,000	0.797%	0.80%
Advantage Money Market ($100,000)	$100,000	0.896%	0.90%
Business Money Market ($100)	$100	0.150%	0.15%
Business Money Market ($100,000)	$100,000	0.399%	0.40%
Local Advantage PLUS checking	$0	0.100%	0.10%
iChecking	$1,000	0.250%	0.25%
IRA Shares	$100	0.250%	0.25%
Get-Away/Holiday Fund	$100	0.250%	0.25%

Certificate Account Rates

Effective 2 January 2020 (note: best bang for buck in bold/red)

Minimum Deposit	Term	Rate3	APY4
$1,000 – Saver Certificate No dollar tiers. No games. No teaser rates for "new" money. Invest as much over $1,000 as you want. Get the $100K rate at only $1K! A financial co-op looks out for the rest of us –– not the one-percenters!	6 months	0.995%	1.00%
	12 months	1.588%	1.60%
	18 months	1.638%	1.65%
	24 months	1.687%	1.70%
	36 months	1.785%	1.80%

 

Notes

1) Anticipated dividend; variable rate & subject to change. 2) Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings. 3) Rates subject to change without notice. However, certificate rates remain fixed for term. 4) Unless otherwise stated, dividends will be credited to your account and compounded every month.