Skip to main content
Skip to navigation
graphic Woman standing against a blackboard with a money tree drawn with chalk.

Personal Dividend Rates

Helping your money grow.

Personal Dividend Rates

Savings & Checking

Account TypeDividend RateAPY1
Savings2
Prime Share & Student Savings
0.25%0.25%
Special Savings3
College Tuition, Holiday, Income Tax, Member's Choice, Payday, Property Tax, Shared Earnings Dividend, Summer & Vacation Savings
0.25%0.25%
IRA Savings4
Traditional & Roth
0.55%0.55%
Health Savings Account40.55%0.55%
Coverdell Education Savings40.55%0.55%
Checking3
Checking & Student Checking
0.05%
(on the first $500)
0.05%
(on the first $500)
Checking3
Checking & Student Checking
0.05%
(on the amount above $500)
0.05%
(on the amount above $500)

Rates are subject to change. Rates effective as of January 1, 2023.

1APY = Annual Percentage Yield. 2Savings account balances above $100 earn dividends. Dividends are compounded daily and credited quarterly. 3Dividends are compounded daily and credited quarterly. 4Dividends are compounded daily and credited monthly.

Share and IRA* Certificates

Share and IRA Certificates require a $1,000 minimum balance.

TermDividend RateAPY1
3 months0.75%0.75%
6 months3.92%4.00%
9 months3.20%3.25%
12 months3.44%3.50%
18 months2.25%2.28%
24 months2.50%2.53%
36 months2.75%2.79%
48 months3.00%3.05%
60 months3.25%3.30%

*Traditional and Roth IRAs. 1APY = Annual Percentage Yield. Rates are subject to change and are effective as of December 1, 2024. Dividends are compounded daily and credited monthly. Withdrawals from certificates may be subject to an early withdrawal penalty.

Jumbo Share and IRA* Certificates

Jumbo Share and IRA Certificates require a $100,000 minimum balance.

TermDividend RateAPY1
3 months0.80%0.80%
6 months3.97%4.05%
9 months3.25%3.30%
12 months3.49%3.55%
18 months2.30%2.33%
24 months2.55%2.58%
36 months2.80%2.84%
48 months3.05%3.10%
60 months3.30%3.35%

*Traditional and Roth IRAs. 1APY = Annual Percentage Yield. Rates are subject to change and are effective as of December 1, 2024. Dividends are compounded daily and credited monthly. Withdrawals from certificates may be subject to an early withdrawal penalty.

Money Market Accounts

Account BalancesDividend RateAPY1
$0–$2,499.990.05%0.05%
$2,500–$24,999.990.15%0.15%
$25,000–$49,999.990.15%0.15%
$50,000–$99,999.991.00%1.01%
$100,000–$149,999.991.00%1.01%
$150,000–$249,999.991.00%1.01%
$250,000 and over1.00%1.01%