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Savings Rates

Rates effective as of December 5, 2018 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:
Up to $25,000 2.00% 2.02%
Amounts over $25,000 0.05% - 2.00% 0.05% - 2.02%
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%
 
11-Month Special
$5,000+ 2.21% 2.23%* 2.23% N/A
 
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
 
17-Month Special
$5,000+ (New Deposits Only) 2.75% 2.78%* 2.78% 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 2.70% N/A 2.73% N/A
$10,000- $89,999.99 2.75% N/A 2.78% N/A
$90,000+ 2.80% 2.84%* 2.83% N/A





 
5 Year
$500-$9,999.99 2.95% N/A 2.98% N/A
$10,000- $89,999.99 3.00% N/A 3.03% N/A
$90,000+ 3.05% 3.09%* 3.09% 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 2.80% N/A 2.83% N/A
$10,000- $89,999.99 2.85% N/A 2.88% N/A
$90,000+ 2.90% 2.94%* 2.93% 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
†† Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000. If requirements are not met, your dividend rate on your entire balance will be the lower rate. The requirements are: Must be enrolled in e-Documents. 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.
The High Yield Checking account is not eligible for Wings Members Rewards. If you are currently enrolled in Wings Member Rewards, all points must be used before your account is retitled. This applies to members who use rewards for the debit card only. Reward points will not be affected if you also have a Wings Member Rewards Visa credit card.