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Savings Accounts

Share (Savings) Accounts

Share savings accounts have a minimum deposit amount of $5. They earn higher dividends than at most financial institutions.

With your savings account:

  • deposits may be made in person, by mail, through payroll deduction, direct deposit, or mobile deposit.
  • dividends are calculated on the daily balance and paid quarterly.
  • dividends are paid from the date of deposit to the date of withdrawal.

Open a Savings Account


Share Savings

APY Dividend Rate
Up to $10,000.00 .20% .20%
$10,000.00 and Above .25% .25%

"E" Savings (Youth)

APY Dividend Rate
Up to $10,000.00 .30% .30%
$10,000.00 and Above .35% .35%

Share Draft (Checking)

APY Dividend Rate
All .10% .10%

Christmas Club

APY Dividend Rate
All .25% .25%

All rates subject to change. APY = Annual Percentage Yield. Dividend rates are declared at the end of each quarter. Dividends are calculated by the daily balance method and paid quarterly. The APY is based on the minimum daily balance being maintained each day. Checking account dividends are declared and effective as of the first of the month and paid monthly. They are calculated on the average daily balance method. Christmas Club dividends are declared and paid on October 1 of each year. All accounts require a $5 minimum to open except Share Draft (checking) requires $25.


Christmas Club

Christmas Club accounts are an easy way to save for those holiday and vacation expenses that you know will come up. Funds can easily be deposited into your desired account through payroll deduction or direct deposit.

Christmas Club dividends are declared and paid on October 1st of each year.

Open a Christmas Club Account


Money Market

APY Dividend Rate
Up to $10,000 .25% .25%
$10,000 - $24,999.99 .40% .40%
$25,000 - $74,999.99 .60% .60%
$75,000 - $249,999.99 .75% .75%
$250,000 and Above .95% .95%

All rates subject to change. APY = Annual Percentage Yield. $5 monthly service fee if balance is less than $5,000.

Open a Money Market Account