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Savings Rates

Regular Share Savings
Balance Range Rate APY*
$0 - and up 0.25% 0.25%
Young Savers (for ages up to 18 yrs) Converted to Basic Savings at 18
Balance Range Rate APY*
$0 - and up 0.50% 0.50% APY
Health Savings
Balance Range Rate APY*
$0 - $499.99 0.00% 0.00%
$500.00 and up 2.00% 2.02%

*APY = Annual Percentage Yield

IRA Savings
Balance Range Rate APY*
$0 - and up 0.50% 0.50%

*APY = Annual Percentage Yield

Share Certificate/IRA Share Certificate Minimum opening deposit is $1,000
Term Rate APY*
6 months 1.74% 1.75%
12 months 2.37% 2.40%
24 months 2.57% 2.60%
36 months1 2.72% 2.75%
48 months1 2.76% 2.80%
60 months1 2.96% 3.00%

1 Maturities of 36 months and longer receive an additional 10 basis points for three (3) or more relationships. APY (Annual Percentage Yield) shows the effect of compounding. Share Certificate With Relationships. (Applies to members with three or more additional account relationships.) Penalties will or may be imposed for early withdrawals.

Carter Cash Back Checking
Account Type Rate APY*
No minimum balance required1 3.00% 3.00%

1 Earns 3% cash back on debit card purchases up to $300 Qualifications of Direct Deposit or ACH, set up estatements and 11 debit card purchases posted and cleared to earn 3.00% APY

Rewards Checking
Balance Range Rate APY*
Up to $10,000 2.47% 2.50%
Above $10,000 0.51% 0.51%

To earn your rewards or cash back on your Rewards Checking or Carter Cash Back Checking simply complete the following activities and transactions for each monthly qualification cycle: Have at least 11 debit card purchases post and settle, Have at least 1 direct deposit or recurring ACH payment post and settle, and be enrolled and receive E-Statements. You can earn higher dividends on your savings account when you link your Rewards Checking to a Rewards Savings.

Classic Checking
Balance Range Rate APY*
Any Balance 0.15% 0.15%
Money Max
Balance Range Rate APY*
0 to $499.99 0.00% 0.00%
$500 to $2,499 0.30% 0.30%
$2,500 to $9,999 0.40% 0.40%
$10,000 to $49,999.99 0.60% 0.60%
$50,000 or greater 0.75% 0.75%

*APY=Annual Percentage Yield

Free Checking
Balance Range Rate
None 0.00%
Not-for-Profit Checking
Balance Range Rate
None 0.15%