Deposit Rates

Current Rates
Effective 8-1-2019

Share and Deposit Rates

Regular Shares Annual Percentage Yield Minimum Balance Required
Primary .25% APY $30 Min Membership
Second Savings .25% APY No Minimum
Youth Savers .25% APY $10 Minimum
IRA .25% APY No Minimum

Checking Accounts

CHECKING Annual Percentage Yield Minimum Balance Required
Classic Checking 0.10% APY $0

PH High Dividend Checking

Earn 2.50% APY on balances up to $15,000

Balances above $15,000 will earn .25% APY

Earn .10% APY if qualifications are not met

      How do you qualify? 

Sign up for PH High Dividend Checking

Sign up for eStatements

Use your debit card 12 times during the month

PH Cash Back Checking

Earn 2% on debit card purchases each month

Earn up to $12.00 per month

Earn .10% APY if qualifications are not met

       How do you qualify? 

Sign up for PH Cash Back Checking

Sign up for eStatements

Use your debit card 12 times during the month

Share Certificates

Term Deposits Annual Percentage Yield Minimum Required Balance
6 Month 1.75% APY $500
12 Month 2.00% APY $500
24 Month 2.20% APY $500
3 Year 2.30% APY $500
5 Year Jump ** 2.30% APY $500
5 Year  2.50% APY $500

Early Withdrawal Penalties:

Terms 1 Year or less — 90 days of Interest

Terms greater than 1 Year — 180 days of Interest

**1 Jump during 5-year term.

Money Market

Balance APY Terms and Limitations
1,000-5,000 0.25% APY Up to 6 withdrawals per month. Each additional withdrawal is $5.00.
5,000-50,000 0.45% APY Up to 6 withdrawals per month. Each additional withdrawal is $5.00.
50,000-100,000 0.80% APY Up to 6 withdrawals per month. Each additional withdrawal is $5.00.
100,000-250,000 0.90% APY Up to 6 withdrawals per month. Each additional withdrawal is $5.00.
250,000 and up 1.00% APY Up to 6 withdrawals per month. Each additional withdrawal is $5.00.

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