Indexed Share Certificates

Notes from members

By far the friendliest group I’ve ever met in a bank. That’s what business is about: taking an interest in your customers, and treating them with respect.

— Robert, member since 2017

Our Home and Yours


We’re committed to serving the small towns and rural communities throughout our region. From the Klamath Basin, down through Modoc County, and east throughout Lake County, we’re helping members enjoy the view.

The 2023 Calendar features original photographs taken by staff in our region.

Calendars are available for free in-branch while supplies last.


*All loans on approved credit.  Membership required and subject to approval.

**The 5.00% Annual Percentage Yield applies to the first $10,000 of the balance, and 5.00% to 1.68% APY for balances greater than $10,000. Must be eligible for membership and maintain at least $5.00 in your Membership Savings Account. In order to earn the dividends at the disclosed rate during each monthly qualification cycle: (a) Your Credit Union loans, if any, cannot be more than 14 days past due; and (b) at least 15 point of sale transactions using Your VISA Debit Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically; and (d) You must have a minimum $5.00 balance in Your membership savings account. Only the funds that comprise each tier will earn the rate for that tier. The Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date and may change at any time after account opening as determined by our Board of Directors. Fees may reduce earnings. Restrictions may apply.


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