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 July 11, 2018

Term $500 Minimum Deposit Dividend Rate APY**
3 Months 1.25% 1.26%
6 Months 2.20% 2.22%
9 Months 2.30% 2.32%
1 Year 2.40% 2.42%
1 Year Star Saver ($100.00 Minimum) 2.40% 2.42%
18 Months 2.50% 2.52%
2 Years 2.60% 2.63%
3 Years 3.00% 3.03%
4 Years 3.10% 3.14%
5 Years 3.20% 3.24%
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). Rates may change after the account is opened. 
Public funds and financial institutions are not eligible for these rates.