Deposit Rates


Rates as of: August 1, 2024

Individual Retirement Accounts (IRAs) ($250 - $7,000)

Type of Rate APR APY
Type of Rate APR APY
6 months0.50% (Rate will increase up to .50% with qualified products/services)0.50%
12 months0.55% (Rate will increase up to .50% for qualified products/services) 0.55%
18 months0.60% (Rate will increase up to .50% with qualified products/services)0.60%
24 months2.00% (Rate will increase up to .50% with qualified products/services) 2.00%
36 months2.00% (Rate will increase up to .50% with qualified products/services)2.00%
60 months (Roth IRA)2.00% (Rate will increase up to .50% with qualified products/services)2.00%
60 months Traditional2.00% (Rate will increase up to .50% with qualified products/services)2.00%

Masterpiece Money Market Account

Type of Rate APR APY
Type of Rate APR APY
$.01 - $2,499.990.35%0.35%
$2,500 - $9,999.990.75%0.75%
$10,000 - $24,999.991.00%1.00%
$25,000 - $49,999.991.25%1.25%
$50,000 and above2.10%2.10%

Savings Rates

Type of Rate APR APY
Type of Rate APR APY
Savings AccountAll other share accounts
$0 to $500 - 0.10%
Over $501.00 - 0.35%
$0 to $500 - 0.10%
Over $500 - 0.35%
Membership Shares01, 16, and 18 Shares
$0.00 to $500.00- 0.10%
$501.00 and above - 0.35%
0.10%

Share Certificates ($1,000 minimum)

Type of Rate APR APY
Type of Rate APR APY
91 day0.45% (Rate will increase up to .50% with qualified products/services)0.45%
6 months0.50% (Rate will increase up to .50% with qualified products/services)0.50%
12 months0.55% (rate will increase up to .50% with qualified products/services) 0.55%
18 months0.60% (Rate will increase up to .50% with qualified products/services)0.60%
24 months2.00% (Rate will increase up to .50% with qualified products/services) 2.00%
36 months2.00% (Rate will increase up to .50% with qualified products/services)2.00%
48 months2.00% (rate will increase up to .50% for qualified products/services) 2.00%

*Early withdrawal penalties may apply if a share certificate is cashed in before its maturity date. If a fee is charged it would result in a reduction in earnings

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