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Deposit Rates

For more information about any of our deposit products, contact a member of our team.

3 Great Ways to Earn More

Programs	Interest Rate	APY*	Minimum daily balance to obtain APY
6 Month Term Deposit Certificate(1)	3.97%	4.05%	$10.00
Co-operative Select Savings Account(2)	3.45%	3.50%	$500,000.01 and above
	2.86%	2.90%	$2,500.00 - $500,000.00
	1.00%	1.00%	$10.00 - $2,499.99
Money Market Deposit Account(2)	2.71%	2.75%	$10.00

*Annual Percentage Yield (APY) effective 02/01/2025 and subject to change. Fees charged could reduce earnings on an account. 1. Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Minimum deposit to open $500.00. 2. Variable rate account. The rate may change after the account is opened. Minimum deposit to open $1.00.

Checking and Savings Accounts

Account	Interest Rate	APY**
Co-operative Checking Account	0.10%	0.10%
Money Market Deposit Account	2.71%	2.75%
Statement Savings Account	1.00%	1.00%
Club Savings Account	1.00%	1.00%
Passbook Savings Account	1.00%	1.00%

**Annual Percentage Yield (APY) effective 02/19/2025 and subject to change. Variable rate accounts. The rate may change after the account is opened. Fees charged could reduce earnings on an account. Minimum deposit to open $1.00. Minimum daily balance to obtain APY $10.00

Term Deposit Certificates (TDC)

Term	Interest Rate	APY***
91 Day TDC	3.93%	4.00%
6 Month TDC	3.97%	4.05%
12 Month TDC	3.93%	4.00%
18 Month TDC	4.17%	4.25%
24 Month TDC	3.69%	3.75%
30 Month TDC	3.69%	3.75%
36 Month TDC	3.69%	3.75%

***Annual Percentage Yield (APY) effective 02/19/2025 and subject to change. Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00

Traditional/Roth IRA Term Deposit Certificates (TDC)

Term	Interest Rate	APY****
12 Month IRA TDC	3.93%	4.00%
18 Month IRA TDC	4.17%	4.25%
24 Month IRA TDC	3.69%	3.75%
30 Month IRA TDC	3.69%	3.75%
36 Month IRA TDC	3.69%	3.75%

****Annual Percentage Yield (APY) effective 02/19/2025 and subject to change. Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $1.00.

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