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Routing Number: 253177049
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Share & Deposit Account Rates

Explore all of our account rates, including Checking and Share Accounts, Share Term Certificates, and more.

Checking accounts1

AccountMinimum opening depositDividend rate
CheckingNo deposit0.10% / 0.10% APY
Zard®No deposit0.10% / 0.10% APY
Rates as of 1/30/25

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Share accounts1

AccountMinimum opening depositDividend rate2 and APY
Share$250.25% / 0.25% APY
Zard Share$250.25% / 0.25% APY
FAT CAT® Share3$50.25% / 0.25% APY
Money Market Share$2502.05% / 2.07% APY
Summer Cash4No minimum4.02% / 4.10% APY
Holiday Cash ClubNo minimum0.25% / 0.25% APY
Rates as of 4/1/26

Disclosures

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Share Term Certificates (STCs)5

Account term                        Minimum opening depositInterest rate2 and APY
6 months$2503.60% / 3.60% APY
12 months$2503.75% / 3.75% APY
18 months$2503.85% / 3.85% APY
24 months$2503.85% / 3.85% APY
30 months$2503.70% / 3.70% APY
36 months$2503.75% / 3.75% APY
48 months$2503.85% / 3.85% APY
60 months$2503.85% / 3.85% APY
Rates as of 4/1/26
Disclosures
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Tax-advantaged accounts1

Account Minimum opening depositDividend rate2 and APY
IRA (Traditional, Roth, SEP)$253.25% / 3.30% APY
Coverdell Education Savings Account$253.25% / 3.30% APY
Health Savings AccountNo deposit3.25% / 3.30% APY
Rates as of 4/1/26

Disclosures

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    1. Dividend rates and annual percentage yields (APYs) for Checking, Share (excluding the Summer Cash Share), and tax-advantaged accounts are variable and subject to change daily at the discretion of the Board of Directors.
    2. For all dividend-bearing accounts (excluding Money Market Share), dividends accrue when the account balance is greater than zero. The minimum balance to earn interest on Share Term Certificates and dividends on Money Market Share Accounts is $250. Fees may reduce the earnings on the account.
    3. Once the account balance reaches $25, the $25 minimum Share Account balance must be maintained.
    4. The Summer Cash Account dividend rate and APY are not subject to change daily. The APY is established each program year to equal to the 12-month STC rate on August 1, regardless of when the account is opened, and remains in effect until the next adjustment period. The rate adjusts each program year on August 1 for June-July accounts and September 1 for July-August accounts.
    5. Interest rates and APYs are fixed for the term of the certificate. Rates, minimum deposit requirements, and maturity dates for new accounts are subject to change daily at the discretion of the Board of Directors. Fees or penalties imposed for early withdrawal may reduce earnings on the account.