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Deposit Rates

Deposit Rates

Savings

(Effective 11/1/2023) Rates are subject to change without notice.

Account TypeMinimum BalanceDividend RateAPY**Term
Savings$50.100%0.100%N/A
Share Draft0.050%0.050%N/A
Escrow0.180%0.180%N/A
Club Account0.100%0.100%N/A
Custodial/UTTMA0.200%0.200%N/A
IRA Open Deposit (Traditional, Roth, Educational Savings Account)0.250%0.250%N/A
Shipmates Money Market Account 1st Level$10.250%0.250%N/A
Shipmates Money Market Account 2nd Level$5,0000.250%0.250%N/A
Shipmates Money Market Account 3rd Level$15,0000.499%0.500%N/A
Shipmates Money Market Account 4th Level$35,0001.735%1.750%N/A
NEW!! Shipmates Money Market Account 5th Level$150,0002.956%3.000%N/A
Health Savings Account – Share Draft$10.499%0.500%N/A

Certificates

(effective 11/1/2023)

Account TypeMinimum DepositDividend RateAPY**Term
Share, Roth, ESA & IRA Certificates$5001.489%1.500%6 Months
Share, Roth, ESA & IRA Certificates$5002.956%3.000%12 Months
Share, Roth, ESA & IRA Certificates$5003.198%3.250%18 Months
Share, Roth, ESA & IRA Certificates$5003.440%3.500%24 Months
Share, Roth, ESA & IRA Certificates$5002.956%3.000%36 Months
*SHARE CERTIFICATE SPECIAL (non-IRA): non-renewable. Upon maturity will close to a share account.$5004.402%4.500%15 Months
*SHARE CERTIFICATE SPECIAL (non-IRA): non-renewable. Upon maturity will close to a share account.$5004.498%4.600%9 Months
TEEN Certificate Special: $100 to open – restricted deposits to maximum of $1,000. Other restrictions apply. Non-renewable.$1009.532%10.000%N/A

**APY = Annual Percentage Yield. Rates are subject to change without notice and are not guaranteed.

* = Not applicable for IRA, Roth or ESA Certificates.

Early withdrawal penalties may apply with Certificates.