How Our Shares Work

Dividends are accrued on the daily balance in your share account. 

The Board may adjust dividend accrual rates at any time during the quarterly period.

Dividends are paid quarterly. 

  • Dividends accrued from January 1 to March 31 are paid on April 1.

  • Dividends accrued from April 1 to June 30 are paid on July 1.

  • Dividends accrued from July 1 to September 30 are paid on August 1.

  • Dividends accrued from October 1 to December 31 are paid on January 1.

*Share balances below $100 do not earn dividends

Shares Rates
Minimum Balance Required Dividend Rate (APR*) Annual Percentage Yield (APY**)
$100 0.50% 0.50%
$10,000 1.00% 1.00%
$20,000 3.00% 3.02%
$100,000 4.00% 4.04%
$200,000 4.50% 4.55%

Rates effective as of July 1, 2025

The Board reserves the right to adjust the dividend rates at any time due to prevailing economic conditions.