Deposit Rates

*APY = Annual Percentage Yield
Effective as of 12/1/2018

  • 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
$400,000 or more0.70%0.70%
More than $24,999.99 but less than $400,0000.45%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%
Daily Balance is $4,999.99 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 Accounts
-Penalty for early withdrawal
No Minimum Balance0.15%0.15%


Certificates of Deposit**

DescriptionInterest RateAPY*
6-month CD0.75%0.75%
12-month CD1.24%1.25%
15-month CD ($5,000.00 Minimum)1.74%1.75%
18-month CD1.24%1.25%
24-month CD1.29%1.30%
36-month CD1.39%1.40%
48-month CD1.54%1.55%
59-month CD ($5,000 Minimum)2.23%2.25%
60-month CD1.99%2.00%

IRAs (Traditional, Roth & Educational)**

DescriptionInterest RateAPY* 
12-month Fixed1.24%1.25%
15-month Fixed Special ($5,000.00 Minimum)1.74%1.75%
18-month Fixed1.24%1.25%
12-month Variable0.25%0.25%
18-month Variable0.50%0.50%
IRA Savings0.15%0.15%

HSA Accounts (Tiered Account)

DescriptionInterest RateAPY* 
Balance $0 - $1000.000.00%0.00%
Balance $1000.01 to $2500.000.10%0.00% - 0.06%
Balance $2500.01 to $4000.000.20%0.06% - 0.11%
Balance $4000.01 to $6000.000.70%0.11% - 0.31%
Balance over $6000.010.95%0.31% - 0.95%

*APY= Annual Percentage Yield. Rates are variable and subject to change after account is opened. Fees may reduce earnings.
**$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 and over.
***6 pre-authorized transfers or checks per month. Daily compounding. $7.50 monthly service charge if average balance drops below $2,500.

 

 


Statement Savings

Certificates of Deposit RatesIcon For: Rates

Term Interest
Rate
APY*
6-month CD 0.75% 0.75%
12-month CD 1.24% 1.25%
15-month CD ($5,000.00 Minimum) 1.74% 1.75%
18-month CD 1.24% 1.25%
24-month CD 1.29% 1.30%
36-month CD 1.39% 1.40%
48-month CD 1.54% 1.55%
59-month CD ($5,000.00 Minimum) 2.23% 2.25%
60-month CD 1.99% 2.00%
More Rates

*APY= Annual percentage yield. **$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. Fees may reduce earnings