Deposit Rates
Effective April 1, 2024
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Deposit Specials:
| Certificates of Deposit & IRA CD Specials | Rate | APY | Paid |
|---|---|---|---|
| 12 Months** $10,000 Minimum | 5.00% | 5.12% | Monthly |
Standard Rates:
| Account | Rate | APY | Paid |
|---|---|---|---|
| Regular Share and Club Accounts Average Balances $100 - $2,999 Average Balances > $3,000 (Bonus Shares) |
0.10% 0.20% |
0.10% 0.20% |
Quarterly Quarterly |
| Round-Up Savings^ | 5.00% | 5.10% | Quarterly |
| High Rate Savings†† ($10,000 required average daily balance) | 4.50% | 4.58% | Monthly |
| Variable Rate IRA Rates subject to change quarterly |
0.50% | 0.50% | Quarterly |
| Checking & Money Market Account | Rate | APY | Paid |
|---|---|---|---|
| Guardian Checking ($2,500 required average daily balance) | 0.05% |
0.05% | Monthly |
|
Ultimate Checking†
Average Balances up to $15,000
Average Balances >$15,000 |
5.00% 0.05% |
5.12% 0.05% |
Monthly |
| Premier Checking ($5,000 required average daily balance) | 0.20% | 0.20% | Monthly |
|
Money Market ($2,500 daily balance required)
$2,500 to $9,999.99
$10,000 to $24,999.99
$25,000 to $99,999.99
$100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and up
|
1.00% 1.25%
1.50%
2.25%
2.50%
3.00%
|
1.00% 1.26%
1.51%
2.27%
2.53%
3.04%
|
Monthly
Monthly Monthly
Monthly Monthly
Monthly
|
| Certificates of Deposit & IRA CDs* | Rate | APY | Paid |
|---|---|---|---|
| 6 Months* $500 Minimum | 4.25% | 4.33% | Monthly |
| 12 Months* $500 Minimum | 4.70% | 4.80% | Monthly |
| 18 Months* $500 Minimum | 4.30% | 4.39% | Monthly |
| 24 Months* $500 Minimum | 4.20% | 4.28% | Monthly |
| 36 Months* $500 Minimum | 4.00% | 4.07% | Monthly |
| 48 Months* $500 Minimum | 3.80% | 3.87% | Monthly |
| 60 Months* $500 Minimum | 3.70% | 3.76% | Monthly |
*Penalties may be applied for early withdrawal.
**Higher penalty may be applied for early withdrawal.
^Guardian Checking required to open account.
† Monthly minimum of $250 in debit card spending and 15 debit card transactions required to qualify
†† Ultimate Checking required to open account; must meet Ultimate Checking monthly requirements to earn dividends.
APY = Annual Percentage Yield
Rates are subject to change at any time.