Effective Date(01/23/2019) Dividend Rate Annual Percentage Yield Minimum Opening Balence Minimum Balance to Avoid Fee Dividends Compounded & Credited Dividend Period
Savings
$0.01 – $99.99
$100.00 – $999.99
$1000.00 – $4,999.99
$5,000.00 – $24,999.99
$25,000.00 – $49,999.99
$50,000.00 – $99,999.99
$100,000.00 or more
 
0.05%
0.05%
0.07%
0.10%
0.15%
0.17%
0.20%
 
0.05%
0.05%
0.07%
0.10%
0.15%
0.17%
0.20%
$25 $25 Monthly Monthly
IRA Savings 0.30% 0.30% 0$   Monthly Monthly
Christmas Club
$0.01 – $99.99
$100.00 – $999.99
$1000.00 – $4,999.99
$5,000.00 – $24,999.99
$25,000.00 – $49,999.99
$50,000.00 – $99,999.99
$100,000.00 or more
 
0.05%
0.05%
0.07%
0.10%
0.15%
0.17%
0.20%
 
0.05%
0.05%
0.07%
0.10%
0.15%
0.17%
0.20%
0$   Monthly Monthly
Savings Club
$0.01 – $99.99
$100.00 – $999.99
$1000.00 – $4,999.99
$5,000.00 – $24,999.99
$25,000.00 – $49,999.99
$50,000.00 – $99,999.99
$100,000.00 or more
 
0.05%
0.05%
0.07%
0.10%
0.15%
0.17%
0.20%
 
0.05%
0.05%
0.07%
0.10%
0.15%
0.17%
0.20%
0$   Monthly Monthly
Classic Checking, Second Chance
Checking, and free4ME Checking (Balances $5,000 and over)
0.025% 0.025% 0$   Monthly Monthly
Prestige Checking
$0.01 – $99.99
$100.00 – $999.99
$1000.00 – $4,999.99
$5,000.00 – $24,999.99
$25,000.00 – $49,999.99
$50,000.00 – $99,999.99
$100,000.00 or more
 
0.00%
0.00%
0.05%
0.08%
0.12%
0.15%
0.20%

0.00%
0.00%
0.05%
0.08%
0.12%
0.15%
0.20%
10,000$   Monthly Monthly
Elite Checking
$0.01 – $99.99
$100.00 – $999.99
$1000.00 – $4,999.99
$5,000.00 – $24,999.99
$25,000.00 – $49,999.99
$50,000.00 – $99,999.99
$100,000.00 or more
 
0.00%
0.00%
0.05%
0.08%
0.12%
0.15%
0.20%
 
0.00%
0.00%
0.05%
0.08%
0.12%
0.15%
0.20%
25,000$   Monthly Monthly
Golden Rate Fund
$0.01 – $99.99
$100.00 – $999.99
$1000.00 – $4,999.99
$5,000.00 – $24,999.99
$25,000.00 – $49,999.99
$50,000.00 – $99,999.99
$100,000.00 or more
 
0.00%
0.00%
0.40%
0.50%
0.55%
0.60%
0.65%
 
0.00%
0.00%
0.40%
0.50%
0.55%
0.60%
0.65%
1,000$   Monthly Monthly
Golden Rate Fund Plus
$0.01 – $99.99
$100.00 – $999.99
$1000.00 – $4,999.99
$5,000.00 – $24,999.99
$25,000.00 – $49,999.99
$50,000.00 – $99,999.99
$100,000.00 or more
 
0.00%
0.00%
0.00%
0.20%
0.30%
0.35%
0.40%
 
0.00%
0.00%
0.00%
0.20%
0.30%
0.35%
0.40%
5,000$   Monthly Monthly
SHIP Account 0.50% 0.50% 5$   Monthly Monthly
Term Savings Certificates
(%500 Minimum Balance)

90 days
6 months
12 months
18 months
2 years
3 years
4 years
5 years
 
 
 
1.05%
1.45%
1.70%
1.85%
2.15%
2.45%
2.70%
2.85%
 
 
 
1.06%
1.46%
1.71%
1.87%
2.17%
2.48%
2.73%
2.89%
    Monthly Monthly