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Savings Rates

Savings/Checking
Effective Date: January 1, 2020
RateAPY*
Primary Savings/Shares - $100 minimum deposit for dividends 0.05% 0.05%
Side Shares - $100 minimum deposit for dividends 0.05% 0.05%
Premium Checking** - up to $3,000 4.00% 4.07%
Premium Checking** -$3,000.01 & Greater 0.05% 0.05%
Holiday Spending - $100 minimum deposit for dividends 0.05% 0.05%
Oakey Dokey - $10 minimum deposit for dividends 0.05% 0.05%

Money Market
Effective Date: January 1, 2020
BalanceRateAPY*
Less than $2,500 0.00% 0.00%
$2,500 - $19,999 0.05% 0.05%
$20,000 - $74,999 0.10% 0.10%
$75,000 - $99,999 0.25% 0.25%
$100,000 & up 0.50% 0.50%

Variable Rate IRAs
Effective Date: January 1, 2020
$100 minimum deposit to earn dividends.
RateAPY*
Traditional IRA 0.10% 0.10%
Roth IRA 0.10% 0.10%
Coverdell ESA Education Share Account 0.10% 0.10%
Health Savings Account 0.10% 0.10%

Term Share IRAs
Effective Date: January 1, 2020
$500 minimum deposit to earn dividends.
TermRateAPY*
Coverdell Educational ESA - 24 Month Term Share 1.75% 1.76%
1 Year Fixed Rate Term 1.50% 1.51%
2 Year Fixed Rate Term 1.75% 1.76%
3 Year Fixed Rate Term 2.00% 2.02%
4 Year Fixed Rate Term 2.25% 2.28%
5 Year Fixed Rate Term 2.50% 2.53%
Roth IRA - 12 Month Term 1.50% 1.51%
Roth IRA - 24 Month Term 1.75% 1.76%
Roth IRA - 36 Month Term 2.00% 2.02%
Roth IRA - 48 Month Term Share 2.25% 2.28%
Roth IRA - 60 Month Term Share 2.50% 2.53%

Share Certificates
Effective Date: January 1, 2020
$500 minimum deposit to earn dividends.
TermRateAPY*
6 Month Term Share Account 1.25% 1.26%
12 Month Term Share Account 1.50% 1.51%
18 Month Term Share Account 1.65% 1.66%
24 Month Term Share Account 1.75% 1.76%
36 Month Term Share Account 2.00% 2.02%
48 Month Term Share Account 2.25% 2.28%
60 Month Term Share Account 2.50% 2.53%

*For the purpose of this disclosure, this is rate and APY that was offered within the most recent seven calendar days. The Interest Rate(s) and Annual Percentage Yield(s) shown herein are current as of the effective date and are subject to change anytime without prior notice. For more current rates, please call 248.549.3838. 
** Requirements muat be met to earn dividends. See Premium Checking page for full dividend earning requirements.