Savings and Investment Rates

Rates effective 1/7/2026

Rates and program availability are subject to change. Please check with your local branch.

SavingsBalanceRateAPY
Regular Share Account
$0.00 – $99.990.00%0.00%
$100.00 +0.10%0.10%
NexGen Savings Program for Young Adults ages 18-26
$0.00 – $2,000.002.75%2.78%
$2,000.01 +0.10%0.10%
Teen Pack Savings Account for ages 14-17
$0.00 – $499.992.50%2.52%
$500.00 – $999.992.25%2.27%
$1,000 +0.10%0.10%
IRA Certificates
Traditional$1,0003.00%3.03%
Roth$1,0003.00%3.03%
Coverdell Education Savings$1,0003.00%3.03%
IRA Shares
Traditional2.25%2.27%
Roth2.25%2.27%
Coverdell Education Savings2.25%2.27%
Christmas Shares
0.10%0.10%
Scottie Savers Savings Account for ages 13 & younger
$0.00 – $99.990.00%0.00%
$100.00 +0.10%0.10%
Silver Express
For ages 62 +$10,000 +2.00%2.02%
CD Rates
3 Month$2,0002.25%2.27%
6 Month$2,0003.25%3.29%
12 Month$2,0003.25%3.29%
24 Month$2,0003.25%3.29%
24 Month Bump Rate$2,0003.00%3.04%
24 Month & Secure Checking*$2,0003.50%3.55%
36 Month$20003.00%3.03%
Jumbo CDs
24 Month$100,0003.50%3.55%
* 24 Month w/Secure Checking$100,0003.75%3.80%
36 Month$100,0003.25%3.29%
Daily Shares
$1,0000.10%0.10%

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