Current Rates

APY (Annual Percentage Yield)

Rate are accurate as of 7/27/2015

  • Fees May Reduce Earnings.
  • Rates are variable and subject to change after account is opened.

 Savings Rates

Savings AccountsMinimum Required BalanceInterest RateAPY*
Statement Savings$100.000.10%0.10%
Basic Money Market: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees$2,500.00 or more0.10%0.10%
$2,499.99 or less0.10%0.10%
Premier Money Market: Tiered Account ; $2,500.00 Minimum Average Balance required to avoid fees$5,000.00 or more0.15%0.15%
More than $2,499.99 less than $5,000.000.10%0.10%
$2,499.99 or less0.10%0.10%
High Yield Money Market: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees$10,000.00 or more0.30%0.30%
More than $4,999.99 less than $10,000.000.15%0.15%
More than $2,499.99 less than $5,000.000.10%0.10%
$2,499.99 or less0.10%0.10%
Prime Money Market: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees$25,000.00 or more0.45%0.45%
More than $9,999.99 less than $25,000.000.30%0.30%
More than $4,999.99 less than $10,000.000.20%0.20%
More than $2,499.99 less than $5,000.000.15%0.15%
$2,499.99 or less0.15%0.15%
Checking AccountsMinimum Required BalanceInterest RateAPY*
Affordable CheckingNo Minimum Balance0.00%0.00%
Checking with Interest; $100.00 to Open Account; $250.00 Minimum Average Balance Required to avoid fees$250.000.05%0.05%
Senior Checking (Age 50 and Over)No Minimum Balance0.05%0.05%
Elite Checking; $10,000.00 to Open Account; $10,000.00 Minimum Average Balance required to avoid fees$10,000.00 0.20%0.20%
Christmas Club AccountsNo Minimum Balance0.15%0.15%
*Penalty for early withdrawal

Certificates of Deposit**

DescriptionInterest RateAPY*
6-month CD0.35%0.35%
12-month CD0.65%0.65%
16-month CD ($5,000.00 Minimum)0.80%0.80%
18-month CD0.80%0.80%
24-month CD0.95%0.95%
36-month CD1.10%1.10%
48-month CD1.19%1.20%
60-month CD1.49%1.50%

IRAs (Traditional, Roth & Educational)**

DescriptionInterest RateAPY* 
12-month Fixed0.65%0.65%
16-month Fixed Special ($5,000.00 Minimum)0.80%0.80%
18-month Fixed0.80%0.80%
12-month Variable*10.25%0.25%
18-month Variable*10.50%0.50%
IRA Savings*10.15%0.15%

HSA Accounts (Tiered Account)

DescriptionInterest RateAPY* 
Balance $0 - $1000.000.00%0.00%
Balance $1000.01 to $2500.000.10%0.06%
Balance $2500.01 to $4000.00. 20%0.11%
Balance $4000.01 to $6000.000.70%0.31%
Balance over $6000.010.95%0.95%

**$1,000.00 Minimum Balance Required to Open — No Deposit Can be Added—Substantial penalties for early withdrawals—Interest at Maturity on CD’s 10 Months and less. Quarterly Compounding on Accounts 11 Months & Over. Fee’s May Reduce Earnings

Member FDIC

*1 – Rates are variable and subject to change after account is opened.


*APY refers to Annual Percentage Yield based on simple interest.

Statement Savings