piggy bank with coins stacked by it

Deposit Account Rates

Effective as of September 1st, 2023

Truth-in-Savings Share Disclosure

Share Savings - Anticipated Dividends

Balance Dividend Rate Annual Percentage Yield
Below $100 0.00% 0.00%
$100 and above 0.15% 0.15%
  • A minimum deposit of $25 must be maintained.
  • No monthly account/service fees.
  • An average daily balance of $100 is required to obtain the Annual Percentage Yield for the monthly dividend period.
  • Dividends are compounded and paid monthly.
  • Please see Fee Schedule.
  • Fees could reduce the earnings on the account.
  • Rates subject to chance without notice.

True Youth Savings - Anticipated Dividends

Balance Dividend Rate Annual Percentage Yield
Below $100 0.00% 0.00%
$100 and above 0.15% 0.15%
  • A minimum deposit of $25 must be maintained.
  • No monthly account/service fees.
  • An average daily balance of $100 is required to obtain the Annual Percentage Yield for the monthly dividend period.
  • Dividends are compounded and paid monthly.
  • Please see Fee Schedule.
  • Fees could reduce the earnings on the account.
  • Rates subject to chance without notice.

Checking Account - Anticipated Dividends

Balance Dividend Rate Annual Percentage Yield
$1,500 and above 0.05% 0.05%
  • A minimum deposit of $25 is required to open this account.
  • No monthly account/service fees.
  • An average daily balance of $1500 is required to obtain the Annual Percentage Yield for the monthly dividend period.
  • Dividends are compounded and paid monthly.
  • Please see Fee Schedule.
  • Fees could reduce the earnings on the account.
  • Rates subject to change without notice.

True Youth Checking Account - Anticipated Dividends

Balance Dividend Rate Annual Percentage Yield
$1,500 and above 0.05% 0.05%
  • A minimum deposit of $25 is required to open this account.
  • No monthly account/service fees.
  • An average daily balance of $1500 is required to obtain the Annual Percentage Yield for the monthly dividend period.
  • Dividends are compounded and paid monthly.
  • Please see Fee Schedule.
  • Fees could reduce the earnings on the account.
  • Rates subject to change without notice.

Money Market Account - Anticipated Dividends

Balance Dividend Rate Annual Percentage Yield
Below $2,000 0.00% 0.00%
$2,000 to $24,999 0.45% 0.45%
$25,000 to $74,999 0.55% 0.55%
$75,000 to $124,999 0.60% 0.60%
$125,000 to $499,999 0.70% 0.70%
$500,000 to $999,999 1.05% 1.06%
$1,000,000 or greater 1.20% 1.21%
  • A minimum deposit of $50 is required to open this account.
  • No monthly account/service fees.
  • A daily balance of $2000 is required to obtain the Annual Percentage Yield for the monthly dividend period.
  • Dividends are compounded and paid monthly.
  • Please see Fee Schedule.
  • Fees could reduce the earnings on the account.
  • Rates subject to change without notice.

IRA Savings Account - Anticipated Dividends

Balance Dividend Rate Annual Percentage Yield
$25.00 0.40% 0.40%
  • A minimum deposit of $25 is required to open this account.
  • No minimum balance requirements.
  • No monthly account/service fees.
  • Dividends are compounded and paid monthly.
  • Please see Fee Schedule.
  • Fees could reduce the earnings on the account.
  • Rates subject to change without notice.

HSA Savings Account - Anticipated Dividends

Balance Dividend Rate Annual Percentage Yield
$25.00 0.40% 0.40%
  • A minimum deposit of $25 is required to open this account.
  • No minimum balance requirements.
  • No monthly account/service fees.
  • Dividends are compounded and paid monthly.
  • Please see Fee Schedule.
  • Fees could reduce the earnings on the account.
  • Rates subject to change without notice.

HSA Checking Account - Anticipated Dividends

Balance Dividend Rate Annual Percentage Yield
$25.00 0.05% 0.05%
  • A minimum deposit of $25 is required to open this account.
  • No minimum balance requirements.
  • No monthly account/service fees.
  • An average daily balance of $1500 is required to obtain the Annual Percentage Yield for the monthly dividend period.
  • Dividends are compounded and paid monthly.
  • Please see Fee Schedule.
  • Fees could reduce the earnings on the account.
  • Rates subject to change without notice.

Share Certificate Rates

Effective as of September 1st, 2023

Truth-in-Savings Certificate Disclosure

$1,000 to $94,000
Term Dividend Rate Annual Percentage Yield
6 mo. 3.75% 3.80%
12 mo. 4.50% 4.58%
18 mo. 4.15% 4.22%
24 mo. 3.95% 4.01%
36 mo. 3.65% 3.70%
48 mo. 3.60% 3.65%
60 mo. 3.50% 3.55%
$95,000 to $224,999
Term Dividend Rate Annual Percentage Yield
6 mo. 3.85% 3.91%
12 mo. 4.60% 4.68%
18 mo. 4.25% 4.32%
24 mo. 4.05% 4.11%
36 mo. 3.75% 3.80%
48 mo. 3.70% 3.75%
60 mo. 3.60% 3.65%
$225,000 and Above
Term Dividend Rate Annual Percentage Yield
6 mo. 3.95% 4.01%
12 mo. 4.70% 4.78%
18 mo. 4.35% 4.42%
24 mo. 4.15% 4.22%
36 mo. 3.85% 3.91%
48 mo. 3.80% 3.85%
60 mo. 3.70% 3.75%

True Youth Share Certificate

$25 to $5,000

Term Dividend Rate Annual Percentage Yield
12 mo. 4.70% 4.70%
  • A minimum deposit of $1,000 is required.
    • $95,000 for Jumbo Certificates
    • $225,000 for Super Jumbo Certificates
    • $25 for True Youth Share Certificates
  • Dividends are compounded and paid quarterly.
    True Youth Share Certificate dividends are paid monthly to the Member Savings Account.
  • No monthly account/service fees.
  • Funds must remain on deposit for the term of the certificate or penalties will apply as follows:
    • 1. Terms of 12 months or less - 90 days dividends.
    • 2. Terms of over 12 months - 180 days dividends.
  • Please see Fee Schedule.
  • Fees could reduce the earnings on the account.
  • Rates subject to change without notice.
  • One youth share certificate allowed per child's social security number.

For all savings and money market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. There are no limitations to the number of transactions that you may perform on any account in person, by mail, or at an ATM.