Variable Rate

, and subject to change without notice.

Account Type2 Balance Dividend Rate APY1
Share Savings $100.00 % %
Special Share Savings $100.00 % %
Christmas Club $25.00 % %
IRA Share $100.00 % %
Sterling Advantage Checking
(if requirements are met)³
$0.01 – $15,000.00 % %
Sterling Advantage Checking
(if requirements are met)³
$15,000.01 – $25,000.00 % %
Sterling Advantage Checking
(if requirements are met)³
$25,000.01 & Greater % %

Term & IRA Share Certificate

, and subject to change without notice.

Account Type4 Balance to Open Term Dividend Rate APY1
Term Share Certificate $1,000.00 6 Month % %
Term Share Certificate $1,000.00 12 Month % %
Term Share Certificate $1,000.00 18 Month % %
Term Share Certificate $1,000.00 24 Month % %
Term Share Certificate $1,000.00 36 Month % %
Term Share Certificate $1,000.00 48 Month % %
Term Share Certificate $1,000.00 60 Month % %
IRA Share Certificate $2,500.00 12 Month % %
IRA Share Certificate $2,500.00 18 Month % %
IRA Share Certificate $2,500.00 24 Month % %
IRA Share Certificate $2,500.00 36 Month % %
IRA Share Certificate $2,500.00 48 Month % %
IRA Share Certificate $2,500.00 60 Month % %

The dividend rate(s) and annual percentage yield(s) shown herein are current as of the effective date. For the 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 earnings on the account.

²Share 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. 

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