Share Rates

Variable Rate

Rates are current as of March 12, 2024 and subject to change without notice.

Account Type2Balance Dividend Rate APY1
Share Savings$100.00.10%.10%
Special Share Savings$100.00.10%.10%
Christmas Club$25.00.10%.10%
IRA Share$100.00.30%.30%
Sterling Advantage
Checking Rate
(if requirements are met)3
$0.01 – $15,000.00
$15,000.01 – $25,000.00
$25,000.01 & Greater
3.35%
.15%
.20%
3.40%
.15%
.20%

Term & IRA Share Certificate

Rates are current as of March 12, 2024 and subject to change without notice.

Account Type4 Balance to Open Term Dividend Rate APY¹
Term Share Certificate$1,000.006 Month2.24%2.26%
Term Share Certificate $1,000.00 12 Month5.00%5.12%
Term Share Certificate $1,000.00 18 Month2.50%2.53%
Term Share Certificate $1,000.00 24 Month2.90%2.94%
Term Share Certificate $1,000.00 36 Month2.90%2.94%
Term Share Certificate $1,000.00 48 Month2.96%3.00%
Term Share Certificate $1,000.00 60 Month2.96%3.00%
IRA Share Certificate$2,500.0012 Month5.05%5.17%
IRA Share Certificate $2,500.00 18 Month2.55%2.58%
IRA Share Certificate $2,500.00 24 Month2.95%2.99%
IRA Share Certificate $2,500.00 36 Month2.95%2.99%
IRA Share Certificate $2,500.00 48 Month3.01%3.05%
IRA Share Certificate $2,500.00 60 Month3.01%3.05%

The dividend rate(s) and annual percentage yield(s) shown herein are current as of the effective date. For most current rates, please contact us.

1APY refers to Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yield(s) are current as of the effective date. Fees could reduce earning on the account.

2Minimum of $5 deposit required to establish membership required. Share and Checking Account dividend rates may change after the account has been opened.

3Sterling Advantage dividend monthly requirements: Log into online banking, enrollment in e-Statements, direct deposit, and 10 or more debit card purchases. If requirements are not met $0.01 – $15,000 tier will earn .10% APY.

4Membership required. Early withdrawals are subject to 180 days penalty on earned or unearned dividends.