Current Rates

APY (Annual Percentage Yield) 

Rate are accurate as of 5/13/2013 

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

Savings Rates

Savings Accounts Minimum Required Balance Interest Rate APY*
Statement Savings $100.00 0.15% 0.15%
Basic Money Market: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees $2,500.00 or more 0.15% 0.15%
  $2,499.99 or less 0.15% 0.15%
Premier Money Market: Tiered Account ; $2,500.00 Minimum Average Balance required to avoid fees $5,000.00 or more 0.20% 0.20%
  More than $2,499.99 less than $5,000.00 0.15% 0.15%
  $2,499.99 or less 0.15% 0.15%
High Yield Money Market: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees $10,000.00 or more 0.40% 0.40%
  More than $4,999.99 less than $10,000.00 0.20% 0.20%
  More than $2,499.99 less than $5,000.00 0.15% 0.15%
  $2,499.99 or less 0.15% 0.15%
Prime Money Market: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees $25,000.00 or more 0.55% 0.55%
  More than $9,999.99 less than $25,000.00 0.40% 0.40%
  More than $4,999.99 less than $10,000.00 0.20% 0.20%
  More than $2,499.99 less than $5,000.00 0.15% 0.15%
  $2,499.99 or less 0.15% .15%
Checking Accounts Minimum Required Balance Interest Rate APY*
Affordable Checking No Minimum Balance 0.00% 0.00%
Checking with Interest; $100.00 to Open Account; $250.00 Minimum Average Balance Required to avoid fees $250.00 0.10% 0.10%
Senior Checking (Age 50 and Over) No Minimum Balance 0.10% 0.10%
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 Accounts
*Penalty for early withdrawal		 No Minimum Balance 0.00% 0.00%
 

Certificates of Deposit**

Description Interest Rate APY*
6-month CD .35% .35%
12-month CD ..65% .65%
16-month CD ($5,000.00 Minimum) .80% .80%
18-month CD .80% .80%
24-month CD .95% .95%
36-month CD 1.10% 1.10%
48-month CD 1.19% 1.20%
60-month CD 1.49% 1.50%

IRAs (Traditional, Roth & Educational)**

Description Interest Rate APY*
12-month Fixed .65% .65%
16-month Fixed Special ($5,000.00 Minimum) .80% .80%
18-month Fixed .80% .80%
12-month Variable*1 .25% .25%
18-month Variable*1 .50% .50%
IRA Savings*1 .20% .20%

HSA Accounts (Tiered Account)

Description Interest Rate APY*
Balance $0 – $1000.00 .00% .00%
Balance $1000.01 to $2500.00 .15% .09%
Balance $2500.01 to $4000.00 . 25% .15%
Balance $4000.01 to $6000.00 .75% .35%
Balance over $6000.01 1.00% 1.00%

**$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