Deposit Rates

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Checking Accounts

Account TypeMin. Bal. to avoid feeMin. Bal. to Earn DividendsDividend RateAPY*
Choice Checking Qualifying APY*

The APY for deposits over $10,000 is a blended rate. The first $10,000 earns 1.25% APY, any amount over $10,000 earns .25%. See spiritofak.com for monthly qualification terms.

$0.00$0.01 - $10,0001.24%1.25%
$10,000.01-$50,000.000.25%1.25%-0.45%
$50,000.01 – and up0.25%0.45% - 0.25%
Choice Checking Non-Qualifying APY*$0.00$0.010.01%0.01%
miMoney Checking$0.00N/AN/AN/A
E-Z Checking**$0.00N/AN/AN/A
Prestige Checking$0.00N/AN/AN/A
Simple Checking**$500.00N/AN/AN/A
Youth Pocket Cache Checking$0.00N/AN/AN/A
Dividend Bearing Checking**$0.00$0.010.25%0.25%
Business/Non-Profit Checking**$1000.00N/AN/AN/A
Dividend Bearing Business Checking**N/A$0.010.25%0.25%

*APY = Annual Percentage Yield.

**Monthly fee or transaction fees may apply. Please see Pricing Guide for additional detail. Available at any branch.

Savings Accounts

Account TypeMin. Opening Bal.Min. Bal. to Earn DividendsDividend RateAPY*
e-Savings

Electronic Documents

$5.00$0.010.11%0.11%
Savings

Paper Documents

$5.00$0.010.11%0.11%
e-Money Market/Money Market$2,500.00$0.01 to $5,000.000.15%0.15%
$5,000.01 to $10,000.000.22%0.150% to 0.185%
$10,000.01 to $25,000.000.25%0.185% to 0.224%
$25,000.01 to $50,000.000.300%0.224% to 0.262%
$50,000.01 to $75,000.000.350%0.262% to 0.292%
$75,000.01 to $100,000.000.350%0.292% to 0.306%
$100,000.01 to $250,000.000.350%0.306% to 0.333%
$250,000.01 and up0.350%0.333% to 0.346%

Money Market Calculator Spreadsheet

*APY = Annual Percentage Yield. **Rates quoted in this table are applied only to the respective amount within that tier. APY's show the minimum and maximum of aggregate APY for the lowest and highest dollar amounts within that respective range.

Certificates of Deposit^

CD Term

Traditional & CD IRA

Min.Bal. to Open and Earn DividendsDividend RateAPY*
3 Month$500.000.10%0.10%
6 Month$500.000.25%0.25%
12 Month$500.000.40%0.40%
18 Month$500.000.45%0.45%
24 Month$500.000.65%0.65%
30 Month$500.000.70%0.70%
36 Month$500.000.85%0.85%
48 Month$500.001.10%1.11%
60 Month$500.001.20%1.21%
84 Month$500.001.30%1.31%
^Penalties may apply for early withdrawal.

Individual Retirement Accounts

Account TypeMin. Opening Bal.Min. Bal. to Earn DividendsDividend RateAPY*
Traditional IRA$0.00$0.010.15%0.15%
Roth IRA$0.00$0.010.15%0.15%
Conversion Roth IRA$0.00$0.010.15%0.15%
Coverdell Education Savings$0.00$0.010.15%0.15%

Consult your tax advisor to help determine the best IRA for you. See our IRA page (link) for more information, or call 459-5900 to speak to a member service representative.

*APY = Annual Percentage Yield. Certificate Rates effective as of December 17, 2013; Share rates effective as of December 17, 2013. Rates reviewed monthly by Board of Directors and subject to change at any time. Any account maintenance or transaction fees will reduce earning. Early withdrawal penalties may apply for IRA and Share Certificates.


Rates reviewed monthly by Board of Directors and subject to change at any time.


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