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Savings Rates

Rates effective as of April 24, 2019 and subject to change.
Accounts Dividend Rate APY†
Share, Money Manager & Holiday Club Account 0.15% 0.15%
First Class Checking Account (Share Draft) 0.05% 0.05%
IRA Share Account 0.15% 0.15%
High-Yield Checking Account†† Dividend Rate APY†
If Requirements are Met:
On the first $25,000 2.00% 2.02%
Amounts over $25,000 0.05% 0.05%
If Requirements are Not Met:
Balance $0 - Over $25,000 0.05% 0.05%
High-Yield Savings Account (also available as an IRA) Dividend Rate APY†
Balance $0 - $9,999.99 0.10% 0.10%
Balance $10,000 - $49,999.99 1.25% 1.26%
Balance $50,000+ 1.35% 1.36%
World Class Money Market Account Dividend Rate APY†
Balance less than $5,000 0.15% 0.15%
Balance $5,000- $14,999 0.20% 0.20%
Balance $15,000- $24,999 0.25% 0.25%
Balance $25,000 and greater 0.30% 0.30%
Wings Investment Money Market Account (also available as an IRA) Dividend Rate APY†
Balance less than $5,000 0.00% 0.00%
Balance $5,000- $49,999 0.35% 0.35%
Balance $50,000- $99,999 0.40% 0.40%
Balance $100,000 and greater 0.45% 0.45%
Above are prospective dividend rates for the current dividend period.










 
Certificates (Share and IRA) Dividend Rate Monthly APY** Quarterly APY** Maturity APY**
3 Month
$500-$9,999.99 1.00% N/A 1.00% 1.00%
$10,000- $89,999.99 1.05% N/A 1.05% 1.05%
$90,000+ 1.10% 1.11%* 1.10% 1.10%
 
6 Month
$500-$9,999.99 1.15% N/A 1.15% 1.15%
$10,000- $89,999.99 1.20% N/A 1.21% 1.20%
$90,000+ 1.25% 1.26%* 1.26% 1.25%
 
1 Year
$500-$9,999.99 1.85% N/A 1.86% N/A
$10,000- $89,999.99 1.90% N/A 1.91% N/A
$90,000+ 1.95% 1.97%* 1.96% N/A
 
18-Month Certificate Special
New deposits only
$5,000+ 2.45% 2.48%* 2.47% N/A
 
2 Year
$500-$9,999.99 2.00% N/A 2.01% N/A
$10,000- $89,999.99 2.05% N/A 2.06% N/A
$90,000+ 2.10% 2.12%* 2.12% N/A
 
3 Year
$500-$9,999.99 2.10% N/A 2.12% N/A
$10,000- $89,999.99 2.15% N/A 2.17% N/A
$90,000+ 2.20% 2.22%* 2.22% N/A
 



 
4 Year
$500-$9,999.99 2.50% N/A 2.52% N/A
$10,000- $89,999.99 2.55% N/A 2.57% N/A
$90,000+ 2.60% 2.63%* 2.63% N/A











 
5 Year
$500-$9,999.99 2.75% N/A 2.78% N/A
$10,000- $89,999.99 2.80% N/A 2.83% N/A
$90,000+ 2.85% 2.89%* 2.88% N/A
 
5 Year Step-Up

Promotional Share/IRA Step-Up Certificates may be stepped-up one time. The step up rate will be determined by the current 5 year standard term certificate rate and will apply to the remaining term of the certificate.

$500-$9,999.99 2.60% N/A 2.63% N/A
$10,000- $89,999.99 2.65% N/A 2.68% N/A
$90,000+ 2.70% 2.73%* 2.73% N/A
New certificate deposits are limited each month. When new certificate deposit limit is reached each month, new certificate deposits will be discontinued until the beginning of the following month.
* Dividends may only be accrued to certificates monthly on amounts of $100,000 and greater.
** If dividends are not accrued to the certificate, the APY will equal the stated Dividend Rate.
† Minimum balance to open Share Account—$5; Checking—initial deposit required; World Class Money Market Account—$5,000; Wings Investment Money Market and Wings IRA Investment Money Market—$5,000; Certificate Account—$500. Penalty applies for early withdrawal of certificates. Rates for all accounts other than certificates are variable and subject to change. Minimum balance of $5,000 required on World Class Money Market Accounts to avoid $10 monthly service charge. APY = Annual Percentage Yield
††HIGH-YIELD CHECKING REQUIREMENTS
Balance Rate Annual Percentage Yield (APY)
If requirements are met:    
$0 - 25,000.00 2.00% 2.02%
$25,000.01+1 0.05% 0.05 - 2.02%
If requirements are not met: 0.05% 0.05%
1If rate requirements are met, the APY will vary based on the balance in the account. The rate paid on balances up to $25,000 will be 2.00% and the rate paid on balances over $25,000 will be 0.05%. RATE REQUIREMENTS
To earn the higher dividend rate, members must meet the following requirements:
  • Must be enrolled in eDocuments
  • Must have ACH direct deposit(s) totaling over $300 in the 34 calendar days preceding the last day of the month
  • Must have 15 net PIN or signature point-of-sale debit card transactions over $5 in the 34 calendar days preceding the last day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.
Membership with a $5.00 minimum opening deposit required.