Deposit Rates

Current Rates
Effective 11-6-2019

Share and Deposit Rates

Regular Shares  dividend rate annual percentage yield
Primary .25 %  .25 % APY
Second Savings .25 %  .25 % APY
Youth Savers .25 %  .25 % APY
IRA .25 %  .25 % APY

Checking Accounts

CHECKING   dividend rate annual percentage yield
Classic Checking 0.10 % APY 0.10 % APY

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 dividend rate Annual Percentage Yield
6 Month 1.736 %  1.75 % APY
12 Month 1.785 %  1.80 % APY
24 Month 2.084 %  2.10 % APY
3 Year 2.231 %  2.25 % APY
5 Year Jump ** 2.182 %  2.20 % APY
5 Year  2.379 %  2.40 % APY

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.

$500 Minimum

Money Market

   dividend rate annual percentage yield
1,000-5,000 0.25 % .25 %
5,000-50,000 0.45 %  .45 %
50,000-100,000 0.80 % .80 %
100,000-250,000 0.90 % .90 %
250,000 and up 1.00 % 1.00 %

Money Market up to 6 withdrawals per month. Each additional withdrawal is $5.00.

Co-op Banner
Sprint Banner
Trustage