Features
Maximize your savings and financial future! Whether you choose a Money Market or Super Saver account, you’ll earn a higher competitive yield and enjoy anytime, easy access to your money.
- Higher balances earn more with tiered rates
- Money Market requires $1,000 minimum deposit
- Super Saver requires $25,000 minimum deposit
- No monthly fees
Money Market VS. Super Saver
| Money Market | Super Saver |
|---|---|
| Interest Compounded & Paid | |
| Monthly | Quarterly |
| Minimum Balance to Receive Interest | |
| $1,000 | $25,000 |
| Account Structure (Tiers) | |
|
$1,000 – $9,999 |
$25,000 – $49,999 |
| $10,000 - Above | $50,000 - Above |
| Balance Falls Below 1st Tier | |
| The member will receive 0.00% for the interest period. | The member will receive 0.00% for the interest period. |
| Interest | |
| * If the balance is above $1,000 and below $9,999 it will receive the 1st tier rate. (or) | * If the balance is above $25,000 and below $49,999 it receives the 1st tier rate. (and) |
| * If the balance is above $10,000 it will receive the 2nd tier rate on the entire balance. | * The balance of $50,000 and above receives the 2nd tier rate. |
| Compounding & Crediting Interest | |
| Interest is compounded daily and credited monthly. | Interest is calculated on the actual daily balance without compounding and credited quarterly. |
| How Withdrawals affect Interest | |
| If funds are withdrawn, interest on those funds will not be paid past the date of withdrawal; only the remaining balance. | If funds are withdrawn, interest on those funds will not be paid past the date of withdrawal; only the remaining balance. |
| Check Writing | |
| Check writing allowed | No check writing on SSA |
| Individual Retirement Accounts (IRAs) | |
| No IRA available | IRA Super Saver Accounts are available |
| Funds Availability | |
| Same as Savings Account | Same as Savings Account |
Savings Accounts
Effective Date: Saturday, November 1st, 2025
| Account Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| Savings | $5 | 0.050% | 0.050% | Monthly/Monthly |
| Miscellaneous Savings | $1 | 0.050% | 0.050% | Monthly/Monthly |
| Super Saver Account | $25,000 - $49,999 | 0.275% | 0.275% | Quarterly/Quarterly |
| Super Saver Account | $50,000 & Over | 0.375% | 0.280% to 0.380% | Quarterly/Quarterly |
| Christmas Club | $1 | 0.050% | 0.050% | Monthly/Monthly |
| IRA Share | $1 & Over | 0.050% | 0.050% | Monthly/Monthly |
| IRA Super Saver | $25,000 - $49,999 | 0.275% | 0.275% | Quarterly/Quarterly |
| IRA Super Saver | $50,000 & Over | 0.375% | 0.280% to 0.380% | Quarterly/Quarterly |
| Money Market | $1,000 - $9,999 | 0.200% | 0.200% | Daily/Monthly |
| Money Market | $10,000 & Over | 0.250% | 0.250% | Daily/Monthly |
| Super Saver Account is a Split Tier and each Tier will receive the dividend that applies. | ||||
| *APY=Annual Percentage Yield. Fees may reduce earnings. | ||||