Deposit Rates

Savings

TypeRateAPY*
Regular Savings0.10%0.10%
Christmas Club0.10%0.10%
Vacation Club0.10%0.10%
IRA1.00%1.00%
Kirby & Claim Your Youth (up to $500)5.00%5.10%
Kirby & Claim Your Youth (over $500)0.10%0.10%
Health Savings 0.10%0.10%
Save to Win 0.10%0.10%

Draft Checking

TypeRateAPY*Requirements
Checking0.00%0.00%
Money Market 0.15%0.15%Balance greater than or equal to $500 / limit on transactions

Certificates

TermRateAPY**
6 months1.25%1.26%
12 months1.50%1.51%
24 months1.75%1.76%
36 months2.00%2.02%
48 months2.10%2.12%
60 months2.20%2.22%
9 month special***5.25%5.35%
12 month special***5.40%5.51%
18 month special***3.20%3.24%
21 month special***4.80%4.89%


*APY=Annual Percentage Yield. Fees could reduce earnings.
**APY=Annual Percentage Yield. A penalty may be imposed for early withdrawal.
***Limited time offer. Special to end at President/CEO’s discretion. Minimum deposit of $500.00. Certificate specials will not renew at end of term. 

All rates as of 09/05/2023 and are subject to change.

View our funds availability policy here.