Rates

Current Rates effective as of 03/01/2025

Savings Rates
Account Type Minimum Deposit Dividend Rate % APY %*
Regular, Secondary, Business, Mini Mountaineers Shares $5.00 0.050 0.05
IRA Share Account $0.00 0.050 0.05
Holiday Club $0.00 0.100 0.10
Money Market***
  Minimum Deposit Dividend Rate % APY %*
$2,500 - $9,999 *** 0.300 0.30
$10,000 - $24,999 *** 0.350 0.35
$25,000 - $49,999 *** 0.350 0.35
$50,000 + *** 0.400 0.40
Giddy Up Money Market $0 - $500 **** 43.154 52.80
Certificates & IRA Certificates **
Term Minimum Deposit Dividend Rate % APY % *
12 Month First Tracks  $250 3.941 4.00
Early Saver  $100 3.941 4.00
3 Month $500 3.941 4.00
6 Month $500 3.941 4.00
12 Month $500 3.698 3.75
18 Month $500 3.698 3.75
24 Month $500 3.698 3.75
36 Month $500 3.552 3.60
48 Month $500 3.552 3.60
60 Month $500 3.552 3.60
Baby-Jumbo Certificate Accounts**
6 Month Baby-Jumbo $50,000 3.941 4.00
12 Month Baby-Jumbo $50,000 3.698 3.75
24 Month Baby-Jumbo $50,000 3.698 3.75
48 Month Baby-Jumbo $50,000 3.552 3.60
60 Month Baby-Jumbo $50,000 3.552 3.60

*APY = Annual Percentage Yield
**Penalties for early withdrawal may apply and may reduce earnings.
***Accounts falling below $2,500.00 at any time during the month will not earn dividends for that day. Interest will be accrued daily. 
**** Debit card must be used a minimum of 5 times per calendar month (PIN-based transactions do not count), must be signed up for E-Statements and receive a direct deposit of at least $300 per month from your employer, one free withdrawal per month from Giddy-Up™ money market account after which a $5 fee per additional withdrawal will be assessed. Dividends will only be paid on the first $500. No manual deposits are permitted. Accounts that do not meet the requirements will not earn dividends.

Fees may reduce earnings on all Savings, Money Market, and Certificate Accounts