Rates, Terms & Conditions
Rates, Terms & Conditions
Checking & Savings
Checking & Savings
The APY stated is accurate as of the last dividend declaration date, which is the last day of the previous quarter.
| Account Description | Dividend Rate | APY* | details | ||
| Regular Share Savings | 0.35% | 0.35% | |||
| FL Uniform Transfer to Minors Savings | 0.35% | 0.35% | |||
| Christmas Club Savings | 0.35% | 0.35% | |||
| Very Important Purpose Savings | 0.35% | 0.35% | |||
| Coverdell Education Savings | 0.35% | 0.35% | |||
| Premium Checking | 0.05% | 0.05% | |||
Money Market
Money Market
All Current APY and Dividend Rates shown are the current weekly rates in effect on 7/11/2025. Dividend rate and APY are variable and subject to change after the account is opened. The Previous APY and Dividend Rate stated are accurate as of the last dividend declaration date, which is the last day of the previous month.
| Money Market Tier | Current Dividend Rate | Current APY* | Previous Dividend Rate | Previous APY* | details |
| balance: $.00 to 2,499.99 | 0.05% | 0.05% | 0.05% | 0.05% | |
| balance: $2,500.00 to 9,999.99 | 0.95% | 0.95% | 0.95% | 0.95% | |
| balance: $10,000.00 to 24,999.99 | 1.00% | 1.01% | 1.00% | 1.01% | |
| balance: $25,000.00 to 49,999.99 | 1.05% | 1.06% | 1.05% | 1.06% | |
| balance: $50,000.00 & up | 1.10% | 1.11% | 1.10% | 1.11% |
IRAs
IRAs
A $50 daily minimum balance is required to earn dividends. All Current APY and Dividend Rates shown are the current weekly rates in effect on 7/11/2025. Dividend rate and APY are variable and subject to change after the account is opened. The Previous APY and Dividend Rates stated are accurate as of the last dividend declaration date, which is the last day of the previous quarter.
| Account Description | Current Dividend Rate | Current APY* | Previous Dividend Rate | Previous APY* | details |
| Traditional IRA | 3.85% | 3.92% | 3.90% | 3.98% | |
| Roth IRA | 3.85% | 3.92% | 3.90% | 3.98% |
Share Certificates
Share Certificates
Rates shown are the current weekly rates in effect on 7/11/2025.
| Certificate Type | Dividend Rate | APY* | details | ||
| 31 Days / 1 month | 3.50% | 3.56% | |||
| 92 days / 3 month | 3.50% | 3.56% | |||
| 182 days / 6 month | 3.80% | 3.87% | |||
| 365 days / 12 month | 3.90% | 3.97% | |||
| 548 days / 18 month | 3.95% | 4.02% | |||
| 730 days / 24 month | 3.85% | 3.92% | |||
| 1095 days / 36 month | 3.75% | 3.82% | |||
| 1460 days / 48 month | 3.70% | 3.76% | |||
| 1825 days / 60 month | 3.65% | 3.71% | |||
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