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Check out our terms from 6-months to 66-months.
Effective Date: Saturday, September 30, 2023
| Dividend Rate | Annual Percentage Yield (APY) | Minimum to Open* | Minimum to Earn Dividends | Minimum to Earn Dividends | |
|---|---|---|---|---|---|
| 6 month (not available for IRA) | 5.00% | 5.12% | $500 | $500 | $500 |
| 1 year | 2.20% | 2.22% | $500 | $500 | $500 |
| 15 Month | 5.25% | 5.38% | $500 | $500 | $500 |
| 18 month | 2.30% | 2.33% | $500 | $500 | $500 |
| 2 year | 2.40% | 2.43% | $500 | $500 | $500 |
| 27 Month | 3.00% | 3.04% | $500 | $500 | $500 |
| 3 year | 2.60% | 2.63% | $500 | $500 | $500 |
| 40 Month | 4.00% | 4.07% | $500 | $500 | $500 |
| 4 year | 2.80% | 2.84% | $500 | $500 | $500 |
| 5 year | 3.00% | 3.04% | $500 | $500 | $500 |
| 66 Month | 3.00% | 3.04% | $500 | $500 | $500 |
For Share Certificate and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early withdrawal penalty (180 days); Any SC greater than 18 months–66 months will result in a 12-month early withdrawal penalty (365 days).
Owner's Advantage Account (OAA) Product has been discontinued as of 10/1/2011. Anyone who currently has an OAA Share or IRA Certificate of Deposit will continue to receive the additional 0.10% rate on any renewal of the existing funds. There is no additional 0.10% rate increase on any new money that is invested in a Share or IRA Certificate of Deposit.
* Minimum Deposit to Open Account — not Minimum Balance to Maintain Account
Apply for membership if you are not a member. Membership is no cost, quick and qualifying is almost guaranteed.
Visit one of our 11 branches or give us a call at 207.862.6500.
Offering 6-months, 1 year, 18-months, 2 years, 3 years, 4 years, 5 years and 66-month terms.
With as little as $500 you can fund your account. Funding your account can be done by transferring funds from another account through a bank transfer process or by check. We will guide you through this process when the account is created.
Whether you're still on the lookout for what you came here for, or are ready to take the next step, we've got you covered.