Savings account and share certificate rates
Current Rates
Watch your money grow with a Savings Account or Share Certificate from Park!
Savings Accounts
| Account Type | Rate | APY* |
|---|---|---|
| Create Your Own | 0.150% | 0.15% |
| IRA Savings | 0.150% | 0.15% |
| Holiday | 0.150% | 0.15% |
| Just 4 Teens Savings | 0.150% | 0.15% |
| Parkie’s Pals | 0.150% | 0.15% |
| HSA | 0.150% | 0.15% |
| Regular Account | 0.150% | 0.15% |
*APY=Annual Percentage Yield. Rates as of 10/1/2024 and subject to change without notice. For more detailed information, call 502.968.3681.
Promo Certificates
| Certificate Type | Minimum Deposit Amount | Dividend Rate | APY* |
|---|---|---|---|
| Promotional 5 – Month Term | $500 | 4.162% | 4.25% |
| Promotional 10 – Month Term | $500 | 4.162% | 4.25% |
| Promotional 15 – Month Term | $500 | 3.922% | 4.00% |
*APY= Annual Percentage Yield. APY effective 4/7/2025. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $500 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew into a traditional 12 month certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
Traditional Certificates
| Certificate Type | Minimum Deposit | Dividend Rate | APY* |
|---|---|---|---|
| Traditional 6-Month Term | $500 | 2.518% | 2.55% |
| Traditional 12-Month Term | $500 | 2.518% | 2.55% |
| Traditional 18-Month Term | $500 | 2.518% | 2.55% |
| Traditional 24-Month Term | $500 | 2.518% | 2.55% |
| Traditional 36-Month Term | $500 | 2.421% | 2.45% |
| Traditional 48 Month Term | $500 | 2.469% | 2.50% |
| Traditional 60-Month Term | $500 | 2.567% | 2.60% |
*APY= Annual Percentage Yield. APY effective 11/22/2024. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $500 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
Wealth Builder Certificates
| Certificate Type | Minimum | Dividend Rate | APY* |
|---|---|---|---|
| Wealth Builder 24-Month Term | $250 | 2.176% | 2.20% |
*APY= Annual Percentage Yield. APY effective 11/22/2024. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $250 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
Cerkidicates
| Certificate Type | Minimum | Dividend Rate | APY* |
|---|---|---|---|
| CerKIDicate 24-Month Term | $100 | 3.005% | 3.05% |
*APY= Annual Percentage Yield. APY effective 11/22/2024. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $100 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
Jumbo Certificates
| Certificate Type | Minimum | Dividend Rate | APY* |
|---|---|---|---|
| Jumbo 12-Month Term | $50,000 | 2.567% | 2.60% |
| Jumbo 24-Month Term | $50,000 | 2.567% | 2.60% |
| Jumbo 36-Month Term | $50,000 | 2.469% | 2.50% |
| Jumbo 48-Month Term | $50,000 | 2.581% | 2.55% |
| Jumbo 60-Month Term | $50,000 | 2.616% | 2.65% |
*APY= Annual Percentage Yield. APY effective 11/22/2024. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $50,000 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
Money Market Accounts
| Range | Dividend Rate | APY* |
|---|---|---|
| $1,000 to $50,000 | 0.449% | 0.45% |
| $50,001- $150,000 | 0.995% | 1.00% |
| $150,001 – $250,000 | 0.995% | 1.00% |
| $250,001 & higher | 1.094% | 1.10% |
*APY + Annual Percentage Yield. All savings rates quoted as annual percentage yields. Rates as of 05.06.2024 and subject to change without notice. Fees could reduce earnings
IRAs
| IRA Accounts (Roth or Traditional) | Dividend Rate | APR* |
|---|---|---|
| 5 month promotional IRA Certificate | 4.162% | 4.25% |
| 10 month promotional IRA Certificate | 4.162% | 4.25% |
| 15 month promotional IRA Certificate | 3.922% | 4.00% |
| 6 month IRA Certificate | 2.518% | 2.55% |
| 12 month IRA Certificate | 2.518% | 2.55% |
| 18 month IRA Certificate | 2.518% | 2.55% |
| 24 month IRA Certificate | 2.518% | 2.55% |
| 36 month IRA Certificate | 2.421% | 2.45% |
| 48 month IRA Certificate | 2.469% | 2.50% |
| 60 month IRA Certificate | 2.567% | 2.60% |
*APR=Annual Percentage Rate. Rates as of 4.7.2025 and subject to change without notice. An early withdrawal penalty may be imposed on certificate accounts. For more detailed information, call 502.968.3681.