Effective as of April 1st, 2025
Truth-in-Savings Share Disclosure
Share Savings - Anticipated Dividends
| Balance |
Dividend Rate |
Annual Percentage Yield |
| Below $100 |
0.00% |
0.00% |
| $100 and above |
0.10% |
0.10% |
- A minimum deposit of $5 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 |
0.10% |
0.10% |
- A minimum deposit of $5 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% |
- 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% |
- 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 |
0.25% |
0.25% |
| $25,000 to $74,999 |
0.35% |
0.35% |
| $75,000 to $124,999 |
0.40% |
0.40% |
| $125,000 to $499,999 |
0.50% |
0.50% |
| $500,000 to $999,999 |
0.80% |
0.80% |
| $1,000,000 or greater |
0.95% |
0.95% |
- 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% |
- 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% |
- 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% |
- 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 April 1st, 2025
Truth-in-Savings Certificate Disclosure
$1,000 to $94,999
| Term |
Dividend Rate |
Annual Percentage Yield |
| 6 mo. |
3.75% |
3.80% |
| 9 mo. |
4.00% |
4.06% |
| 12 mo. |
3.85% |
3.91% |
| 18 mo. |
3.75% |
3.80% |
| 24 mo. |
4.00% |
4.06% |
| 36 mo. |
3.70% |
3.75% |
| 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% |
| 9 mo. |
4.10% |
4.16% |
| 12 mo. |
3.95% |
4.01% |
| 18 mo. |
3.85% |
3.91% |
| 24 mo. |
4.10% |
4.16% |
| 36 mo. |
3.80% |
3.85% |
| 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% |
| 9 mo. |
4.20% |
4.27% |
| 12 mo. |
4.05% |
4.11% |
| 18 mo. |
3.95% |
4.01% |
| 24 mo. |
4.20% |
4.27% |
| 36 mo. |
3.90% |
3.96% |
| 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. |
4.05% |
4.05% |
- A minimum deposit of $1,000 is required for Regular Share Certificates
- $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.
