YourSavings Rates
Savings
Effective Date: Sunday, October 26th, 2025
| Account Type | Minimum Opening Balance | Dividend Rate | APY* |
|---|---|---|---|
| Member Share Savings | $5.00 | 0.200% | 0.200% |
| Checking | $25.00 | 0.100% | 0.100% |
| Christmas Club | $0.00 | 1.000% | 1.000% |
| IRA Savings | $5.00 | 0.750% | 0.750% |
Term Share/IRA/ESA Accounts
IRA Includes Traditional, Roth, SEP and SIMPLE IRA's
Term Share Account: $2,000 - $49,999
| Term | Div rate | APY* |
|---|---|---|
| 6 months | 5.75% | 3.61% |
| 7 months | 3.55% | 3.61% |
| 9 months | 5.00% | 5.13% |
| 1 year | 5.75% | 5.13% |
| 18 months | 5.00% | 5.13% |
| 2 years | 5.75% | 5.13% |
| 30 months | 4.15% | 4.24% |
| 3 years | 4.20% | 4.29% |
| 4 years | 4.35% | 4.45% |
| 5 years | 4.50% | 4.60% |
Term Share Account: $50,000 - $89,999
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 3.60% | 3.67% |
| 7 months | 3.60% | 3.67% |
| 9 months | 5.75% | 5.18% |
| 1 year | 5.05% | 5.18% |
| 18 months | 5.05% | 5.18% |
| 2 years | 5.05% | 5.18% |
| 30 months | 5.75% | 4.29% |
| 3 years | 4.25% | 4.34% |
| 4 years | 5.75% | 4.50% |
| 5 years | 5.75% | 4.65% |
Term Share Account: $90,000 and over
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 5.75% | 3.72% |
| 7 months | 5.75% | 3.72% |
| 9 months | 5.10% | 5.23% |
| 1 year | 5.10% | 5.23% |
| 18 months | 5.75% | 5.23% |
| 2 years | 5.10% | 5.23% |
| 30 months | 4.25% | 4.34% |
| 3 years | 4.30% | 4.39% |
| 4 years | 4.45% | 4.55% |
| 5 years | 4.60% | 4.71% |