Share Certificate Rates

Rates effective January 1, 2021

TermDividend RateAPY*
3 Months0.15%0.15%
3 Months ($250K +)0.75%0.75%
6 Months0.35%0.35%
12 MONTHS SPECIAL0.70%0.70%
18 Months0.45%0.45%
24 Months0.50%0.50%
30 Months0.60%0.60%
36 Months0.70%0.70%
48 Months0.80%0.80%
60 Months1.00%1.00%


* Annual Percentage Yield (APY); based on a $1,000 example and assumes dividends remain in account until maturity.

† $500 minimum balance required. Your Term Share Certificate account will automatically renew for a term equal to the original at the prevailing rate at the time of renewal. The dividend rate for all Term Share Certificates is fixed for the term of the account. Dividends are compounded and paid quarterly. Substantial penalty for early withdrawal. For additional disclosures, see the  “Membership and Account  Agreement and Disclosures” brochure.  Please call (765) 771-8000 for more information.