Current Savings Rates
Rates effective for the month ending January 31, 2024.
Share Account Rates
Effective Date: December 1, 2024
The following are rates for Regular Shares, Secondary Savings and Kirby Kangaroo Accounts.
| Balance | Rate | APY* Range |
| $0.00 to $249.99 |
0.15% |
0.15% - 0.15% |
| $250.00 to $999.99 |
0.25% |
0.15% - 0.23% |
| $1000.00 to $2499.99 |
0.35% |
0.23% - 0.30% |
| $2500.00 and over |
0.40% |
0.30% - 0.40% |
This is a variable tiered rate account, however currently all tiers are earning the same rate of .03% which means if a member has an average daily balance of $5000 for the month, the entire balance earns .03%. The APY (annual percentage yield) will be 0.03%. If an account is closed before the end of the month, all dividends are forfeited. Dividends on all accounts are paid on the last day of the month. Secondary savings accounts have withdrawal restrictions.
Other Accounts
Effective Date: December 1, 2024
| Type | Rate | APY* |
| IRA Shares |
0.60% |
0.60% |
| This is a variable rate account. If an account is closed before the end of the month, all dividends are forfeited. Dividends on all accounts are paid on the last day of the month. |
| Christmas Club Accounts |
0.50% |
0.50% |
| This is a variable rate account. If withdrawal is made between October 1st and September 30th, the account will be closed and all dividends forfeited. Dividends will be paid annually on September 30th and all funds in the account will be transferred to the regular savings account on October 1st. |
Money Market Accounts
Effective Date: December 1, 2024
| Balance | Rate | APY* Range |
| $2500.00 to $9999.99 |
0.6% |
0.60% - 0.60% |
| $10,000.00 to $49,999.99 |
0.70% |
0.60% - 0.68% |
| $50,000.00 and over |
0.80% |
0.68% - 0.74% |
Money market accounts require a $2,500.00 minimum balance. The account is limited to three withdrawals per month. This is a variable tiered rate account. Dividends will be paid on the last day of the month.
Share Certificate Rates - $500 to $9999
Effective Date: December 1, 2024
| Term | Rate | APY* |
| 6 Months |
3.25% |
3.32% |
| 12 Months |
3.50% |
3.57% |
| 24 Months |
3.70% |
3.78% |
| 36 Months |
4.00% |
4.09% |
Share Certificate Rates - $10,000 & over
Effective Date: December 1, 2024
| Term | Rate | APY* |
| 6 Months |
3.30% |
3.37% |
| 12 Months |
3.55% |
3.62% |
| 24 Months |
3.75% |
3.85% |
| 36 Months |
4.05% |
4.14% |
Dividends will be compounded quarterly and credited to certificate account. Alternatively, dividends may be paid to member or credited to another account. APY is based on the assumption that dividends will remain in the account until maturity. Dividends are reported to the IRS as earned in the year in which they are credited or paid.
IRA Certificates - $1,000 to $9,999
Effective Date: December 1, 2024
| Term | Rate | APY* |
| 12 Months |
3.50% |
3.57% |
| 24 Months |
3.70% |
3.78% |
| 36 Months |
4.00% |
4.09% |
IRA Certificates - $10,000 & over
Effective Date: December 1, 2024
| Term | Rate | APY* |
| 12 Months |
3.55% |
3.62% |
| 24 Months |
3.75% |
3.85% |
| 36 Months |
4.05% |
4.14% |
Dividends will be compounded quarterly and credited to certificate account. Alternatively, dividends may be paid to member or credited to another account. APY is based on the assumption that dividends will remain in the account until maturity. Dividends are reported to the IRS as earned in the year in which they are credited or paid.
*APY=Annual Percentage Yield
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