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Deposit Rates

Rates shown for certificate accounts are accurate as of November 21, 2017. Rates shown for Share Draft (checking), Ignite Cashback (checking), Share (savings), Ignite Saver (savings), Money Market, and IRA Contributory Accounts are accurate as of the last dividend date.

Share Draft (checking) Account

APY* Dividend Rate Term Minimum Balance Required
0.10% 0.10% n/a No minimum balance

There is no minimum balance required to earn the APY.

Ignite Rewards (cash back checking) Account**

APY* Dividend Rate Term Minimum Balance Required
0.00% 0.00% n/a No minimum balance

Earn 2.00% Cash Back on debit card purchases up to $400 spent. Maximum cash back reward amount of up to $8 per cycle**.

Share (savings) Account

APY* Dividend Rate Term Minimum Balance Required
0.20% 0.20% n/a $5.00 minimum balance

Your account must have a minimum of $100 to earn the Dividend Rate.

Money Market

APY* Dividend Rate Term Minimum Balance Required
0.25% 0.25% n/a $1,000.00 minimum balance

There is a $250.00 minimum withdrawal amount.

Compounding Share Certificates

Term APY* Dividend Rate Minimum Balance Required
91 days 0.15% 0.15% $1,000.00 minimum balance
 6 months 0.20% 0.20% $1,000.00 minimum balance
12 months 0.45% 0.45% $1,000.00 minimum balance
18 months 0.50% 0.50% $1,000.00 minimum balance
24 months 0.85% 0.85% $1,000.00 minimum balance
36 months 1.01% 1.00% $1,000.00 minimum balance

Non-Compounding Share Certificates

Term APY* Dividend Rate Minimum Balance Required
91 days 0.15% 0.15% $1,000.00 minimum balance
 6 months 0.20% 0.20% $1,000.00 minimum balance
12 months 0.45% 0.45% $1,000.00 minimum balance
18 months 0.50% 0.50% $1,000.00 minimum balance
24 months 0.85% 0.85% $1,000.00 minimum balance
36 months 1.00% 1.00% $1,000.00 minimum balance

IRA Contributory

APY* Dividend Rate Term Minimum Balance Required
0.25% 0.25% n/a Accumulation Account $0 – $9,999.99
0.25% 0.25% n/a Over $10,000

Compounding IRA Share Certificates

Term APY* Dividend Rate Minimum Balance Required
12 months 0.45% 0.45% $1,000.00 minimum balance
18 months 0.50% 0.50% $1,000.00 minimum balance
24 months 0.85% 0.85% $1,000.00 minimum balance
36 months 1.01% 1.00% $1,000.00 minimum balance

All share account rates are variable and subject to change monthly. Fees may reduce earnings. There are early withdrawal penalties on share certificate accounts. Please see the Universal Account Agreement provided you for additional disclosures. Contact an employee for further information about applicable fees and terms.

*

APY = Annual Percentage Yield

**

To qualify, you must enroll in and receive eStatements and clear at least 15 debit card transactions per cycle. For any cycle in which you do not qualify, there are no penalties but you will forfeit cash back and ATM refunds.

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