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Checking Accounts


Product
Rate
APY*
VIP Checking -1
0.10% 0.10%
Rewards Checking -2
0.00% 0.00%
Premium Checking -3
7.25%
7.50%


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Savings Accounts


Product
Rate
APY*
VIP Savings
0.15% 0.15%
"You-Name-It" Savings
0.15% 0.15%
IRA (Retirement Savings)
0.15%
0.15%
Christmas Club 0.15% 0.15%
Vacation Club 0.15% 0.15%
Escrow Account -4 0.14% 0.14%


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Money Market Accounts


(Regular or IRA) Rate APY *
Money Market Index Plus 0.45% 0.45%
    (If account falls below $10,000) 0.10% 0.10%
VIP Money Market Account 0.30% 0.30%
    (If account falls below $2,400) 0.10% 0.10%
Signature Money Market5 (Regular or IRA) Rate APY *
$2,500 - $49,999.99 0.10% 0.10%
$50,000 or more 1.74% 1.75%
    (If account falls below $2,500) 0.00% 0.00%


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Health Savings Accounts (HSA)


Product Rate APY*
HSA 0.75% 0.75%


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Certificate Accounts (CDs)


Maturity Date (Regular or IRA) Rate APY*
91 Days 0.30% 0.30%
6 Months 0.35% 0.35%
9 Months 0.40% 0.40%
1 Year 0.50% 0.50%
13 Months Special  2.72% 2.75%
1½ Years 0.60% 0.60%
19 Months Special  2.77% 2.80%
2 Years  0.75%   0.75%
25 Months Special  2.86%   2.90%
3 Years 1.09% 1.10%
4 Years 1.14% 1.15%
5 Years 2.96% 3.00%

There is a penalty for early Certificate withdrawal. Fees imposed on accounts will reduce actual earnings. Rates and terms are subject to change without notice. "Special" not available to financial institutions and public funds.


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* Annual Percentage Yield (APY) is accurate as of 10-14-2018.
1 VIP Checking dividends are paid on the entire balance when your balance reaches $2,500.
2 Earn Rewards! Rewards are paid at one point for every $2.00 in signature-based purchases.
3 APY is Annual Percentage Yield.  Base rate is 0%APY. Accounts with E-Statements and Direct Deposit earn 7.5% APY on balances up to $500 and 0.20%APY on balances over $500.  One account per member. Direct Deposit is defined as a minimum of $250 per month in ACH deposits, which may include payroll, pension or government benefit payments, such as Social Security.
Current First Mortgages Only
Signature Money Market has the following balance tiers and corresponding rates: $2,500-$9,999.99 (0.10% APY); $10,000-$24,999.99 (0.10% APY); $25,000-$49,999.99 (0.10% APY); $50,000-$74,999.99 (1.65% APY); $75,000-$99,999.99 (1.65% APY); $100,000 and above (1.65% APY). Some tiers may earn the same APY; APY is subject to change based on balance tier. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance.Minimum balance to open the Signature Money Market is $2,500. If balance falls below the minimum, the account will be assessed a monthly minimum balance fee and will earn reduced or no interest.