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Share Account Rates

Effective as of November 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.

True 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 Earnings Checking Account - Anticipated Dividends

Balance Dividend Rate Annual Percentage Yield

$0.01 - $15,000.00
$15,000.01 or greater
 
4.89%
0.05%
Qualifications Met
5.00%
0.05%

$1,500.00

0.05%
Qualifications Not Met
0.05%
  • 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.

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 November 1st, 2025

Truth-in-Savings Certificate Disclosure

$1,000 to $94,999
Term Dividend Rate Annual Percentage Yield
6 mo. 3.35% 3.39%
9 mo. 3.45% 3.49%
12 mo. 3.50% 3.55%
18 mo. 3.60% 3.65%
24 mo. 3.70% 3.75%
36 mo. 3.60% 3.65%
48 mo. 3.50% 3.55%
60 mo. 3.40% 3.44%
$95,000 to $224,999
Term Dividend Rate Annual Percentage Yield
6 mo. 3.45% 3.49%
9 mo. 3.55% 3.60%
12 mo. 3.60% 3.65%
18 mo. 3.70% 3.75%
24 mo. 3.80% 3.85%
36 mo. 3.70% 3.75%
48 mo. 3.60% 3.65%
60 mo. 3.50% 3.55%
$225,000 and Above
Term Dividend Rate Annual Percentage Yield
6 mo. 3.55% 3.60%
9 mo. 3.65% 3.70%
12 mo. 3.70% 3.75%
18 mo. 3.80% 3.85%
24 mo. 3.90% 3.96%
36 mo. 3.80% 3.85%
48 mo. 3.70% 3.75%
60 mo. 3.60% 3.65%

True Youth Share Certificate

$25 to $5,000

Term Dividend Rate Annual Percentage Yield
12 mo. 3.70% 3.70%
  • 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.