Creating a Better Tomorrow.

Term shares are an excellent and low-risk way to invest your money and earn more with our competitive deposit rates.


Term Share Rates

Rates are effective January 26, 2022. Rates subject to change.


Term Shares- Regular, Bump-Up, Traditional IRA, Roth IRA and SEP IRA

Length of Term$1,000-$49,999.99 APY*$50,000-$99,999.99 APY*$100,000+ APY*
6-month0.25%0.30%0.35%
12-month0.40%0.45%0.50%
24-month0.55%0.60%0.65%
30-month expandable0.60%0.65%0.70%
36-month0.65%0.70%0.75%
36-month Bump-Up0.60%0.65%0.70%
48-month0.80%0.85%0.90%
60-month1.10%1.15%1.20%
60-month Bump-Up1.00%1.05%1.10%
Term Share, Bump-Up and IRA

*Annual Percentage Yield.
Dividends compounded and paid monthly. Additional deposits only permitted on the 30-month expandable term share account and all IRA term shares. 36-month Bump-up Term Share eligible for one "Bump-Up", 60-month Bump-Up Term Share eligible for two "Bump-Ups". IRA maintenance fees apply. We may impose a penalty if you withdraw any of the principal of the Term Share account before the maturity date. If the term of the account is one year or less the penalty will equal 90 days’ dividends on the amount withdrawn. If the term of the account is more than one year and less than three years, the penalty will equal 180 days’ dividends on the amount withdrawn. If the term of the account is three years or more, the penalty will equal 240 days’ dividends on the amount withdrawn.

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