Current Rates

APY (Annual Percentage Yield)

Rate are accurate as of 12/8/2014

  • 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 0.10% 0.10%
Basic Money Market: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees $2,500.00 or more 0.10% 0.10%
  $2,499.99 or less 0.10% 0.10%
Premier Money Market: Tiered Account ; $2,500.00 Minimum Average Balance required to avoid fees $5,000.00 or more 0.15% 0.15%
  More than $2,499.99 less than $5,000.00 0.10% 0.10%
  $2,499.99 or less 0.10% 0.10%
High Yield Money Market: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees $10,000.00 or more 0.30% 0.30%
  More than $4,999.99 less than $10,000.00 0.15% 0.15%
  More than $2,499.99 less than $5,000.00 0.10% 0.10%
  $2,499.99 or less 0.10% 0.10%
Prime Money Market: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees $25,000.00 or more 0.45% 0.45%
  More than $9,999.99 less than $25,000.00 0.30% 0.30%
  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 0.05% 0.05%
Senior Checking (Age 50 and Over) No Minimum Balance 0.05% 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 Accounts
*Penalty for early withdrawal
No Minimum Balance 0.15% 0.15%

 

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 .15% .15%

HSA Accounts (Tiered Account)

Description Interest Rate APY*
Balance $0 – $1000.00 .00% .00%
Balance $1000.01 to $2500.00 .10% .06%
Balance $2500.01 to $4000.00 . 20% .11%
Balance $4000.01 to $6000.00 .70% .31%
Balance over $6000.01 .95% .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