Account Type	APR	APY
Shares (Savings)	0.20%	0.20%
Christmas/Wish Clubs	0.30%	0.30%
IRA Shares	0.40%	0.40%
The above accounts require a $250 minimum average daily balance to earn dividends.
Gold Checking	0.10%	0.10%
This account requires a $750 minimum average daily balance to earn dividends.

 

Money Market	APR	APY
$2,000 – $4,999	0.75%	0.75%
$5,000 – $9,999	0.80%	0.80%
$10,000 – $24,999	0.85%	0.85%
$25,000 – $49,999	0.90%	0.90%
$50,000 – $99,999	1.00%	1.00%
$100,000 – $249,999	1.10%	1.10%
$250,000 and up	1.25%	1.26%
This account requires a $2,000 minimum daily balance to earn dividends.

Certificates of Deposit	APR	APY
6 months	1.25%	1.26%
12 months	1.75%	1.76%
24 months	2.25%	2.27%
36 months	2.50%	2.52%
60 months	3.00%	3.03%
24-month Payroll Deduction*	2.25%	2.27%
36-month Payroll Deduction*	2.50%	2.52%
60-month Payroll Deduction*	3.00%	3.03%
This account requires a $1,000 minimum daily balance to earn dividends.

APR = Annual Percentage Rate; APY = Annual Percentage Yield *Interest compounded semi-annually.