SHARE CERTIFICATES
Share Certificates
Share certificates traditionally pay a higher rate of return than other savings accounts. A minimum deposit of $500.00 is set aside for a fixed period of time. This money earns a high, fixed rate of return. Dividends are calculated and paid quarterly and at maturity. Dividends may be added to the principal or paid to share account. Early withdrawal results in a penalty.
Current Rates Effective February 5, 2025
| Term $500 Minimum Deposit | Dividend Rate | APY** |
|---|---|---|
| 3 Months | 3.21% | 3.25% |
| 6 Months | 3.31% | 3.35% |
| 9 Months | 3.36% | 3.40% |
| 1 Year | 3.89% | 3.95% |
| 1 Year Star Saver ($100.00 Minimum) | 3.89% | 3.95% |
| 18 Months | 4.04% | 4.10% |
| 2 Years | 3.55% | 3.60% |
| 3 Years | 3.65% | 3.70% |
| 4 Years | 3.75% | 3.80% |
| 5 Years | 3.84% | 3.90% |
Annual Percentage Yield (APY**) assumes dividend added to principal quarterly. Dividends may be added to principal or paid to share account quarterly.
Penalty will be imposed for early withdrawals. Fees may reduce earnings on the account.
Rates expressed as APY** (annual percentage yield). .
