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Dividend Rates

Savings & Checking Accounts
Effective Date: 10/01/2014
Account TypeMinimum Balance Required to OpenAverage Daily Balance Required to Earn DividendsDividend RateAnnual Percentage Yield (APY)
Primary Savings* &
Secondary Savings
$5.00 $250.00 0.050% 0.05%
AngelSavers $5.00 $5.00 0.050% 0.05%
A$pire Savings $5.00 $5.00 0.050% 0.05%
Christmas Club $5.00 $5.00 0.050% 0.05%
Alliance Checking** $5.00 See below** 0.499% 0.50%
*Includes the following share types (Business/Parish, Traditional IRA, Roth IRA, Coverdell IRA and SEP IRA). All dividends to be paid according to disclosures. All dividend rates and APYs subject to change without notice.
**APY will be paid on balances up to $15,000 if qualifications met (Direct Deposit + E-statements + 15 Debit Card signature-based transactions); 0% APY if qualifications not met. All dividends to be paid according to disclosures. All dividend rates and APYs subject to change without notice.
All annual percentage yields (APY) are based on the assumption that the money is left on deposit during the dividend period. Dividend rates on share accounts will be declared monthly by the Board of Directors and posted on the last day of every month. All rates subject to change at any time without notice. For more information, please refer to our Account Agreements and Disclosures.

Money Market Savings Account
Effective Date: 10/01/2014
Includes Personal & Business Money Market+
Average Daily Balance Required to Earn DividendsDividend RateAnnual Percentage Yield (APY)
$0 - $2,499.99 0.000% 0.00%
$2,500 - $19,999.99 0.050% 0.05%
$20,000 - $74,999.99 0.100% 0.10%
$75,000 - $99,999.99 0.150% 0.15%
$100,000+ 0.200% 0.20%
+All dividends to be paid according to disclosures. All dividend rates and APYs subject to change without notice.
All annual percentage yields (APY) are based on the assumption that the money is left on deposit during the dividend period. Dividend rates on share accounts will be declared monthly by the Board of Directors and posted on the last day of every month. All rates subject to change at any time without notice. For more information, please refer to our Account Agreements and Disclosures.

Share Certificates++
Effective Date: 10/01/2014
TermMinimum Balance Required to OpenAverage Daily Balance Required to Earn DividendsDividend RateAnnual Percentage Yield (APY)
6 Months $500.00 $500.00 0.150% 0.15%
12 Months $500.00 $500.00 0.200% 0.20%
24 Months $500.00 $500.00 0.399% 0.40%
36 Months $500.00 $500.00 0.598% 0.60%
48 Months $500.00 $500.00 0.747% 0.75%
60 Months $500.00 $500.00 0.896% 0.90%
++Includes Regular Share Certificates and all IRA (Traditional IRA, Roth IRA and Coverdell IRA). All dividends to be paid according to disclosures. All dividend rates and APYs subject to change without notice.
All annual percentage yields (APY) are based on the assumption that the money is left on deposit during the dividend period. Dividend rates on share accounts will be declared monthly by the Board of Directors and posted on the last day of every month. All rates subject to change at any time without notice. For more information, please refer to our Account Agreements and Disclosures.

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