Deposit Rates

Effective as of 6/1/2019

  • Rates are variable and subject to change after account is opened, excluding fixed rate Certificates of Deposit and fixed rate IRAs.
  • Fees may reduce earnings.

Savings Accounts

Savings AccountsMinimum
Required Balance
Interest RateAnnual Percentage Yield
Statement Savings$100.000.20%0.20%
Basic Money Market*: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees$2,500.00 or more0.20%0.20%
$2,499.99 or less0.20%0.20%
Premier Money Market*: Tiered Account ; $2,500.00 Minimum Average Balance required to avoid fees$5,000.00 or more0.25%0.25%
More than $2,499.99 less than $5,000.000.20%0.20%
$2,499.99 or less0.20%0.20%
High Yield Money Market*: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees$10,000.00 or more0.45%0.45%
More than $4,999.99 less than $10,000.000.25%0.25%
More than $2,499.99 less than $5,000.000.20%0.20%
$2,499.99 or less0.20%0.20%
Prime Money Market*: Tiered Account; $2,500.00
Minimum Average Balance required to avoid fees
$400,000 or more0.90%0.90%
More than $24,999.99 but less than $400,0000.60%0.60%
More than $9,999.99 less than $25,000.000.45%0.45%
More than $4,999.99 less than $10,000.000.30%0.30%
Daily Balance is $4,999.99 or less0.25%0.25%

Checking Accounts

DescriptionMinimum
Required Balance
Interest RateAnnual Percentage Yield
Affordable CheckingNo Minimum Balance0.00%0.00%
Checking with Interest; $250.00 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 Balance0.25%0.25%


Certificates of Deposit**

DescriptionInterest RateAnnual Percentage Yield
6-month CD1.30%1.30%
12-month CD1.79%1.80%
15-month CD ($5,000.00 Minimum)2.38%2.40%
18-month CD1.99%2.00%
24-month CD2.03%2.05%
36-month CD2.13%2.15%
48-month CD2.28%2.30%
60-month CD2.72%2.75%

IRAs (Traditional, Roth & Educational)**

DescriptionInterest RateAnnual Percentage Yield 
12-month Fixed1.79%1.80%
15-month Fixed Special ($5,000.00 Minimum)2.38%2.40%
18-month Fixed1.99%2.00%
12-month Variable0.35%0.35%
18-month Variable0.60%0.60%
IRA Savings0.25%0.25%

HSA Accounts (Tiered Account)***

DescriptionInterest RateAnnual Percentage Yield 
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%

*6 pre-authorized transfers or checks per month. Daily compounding. $7.50 monthly service charge if average balance drops below $2,500.
**$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.
***$20.00 startup fee to open account. $500.00 minimum average monthly balance to avoid $2.00 service charge.

 

 


Statement Savings

Certificates of Deposit Rates**Icon For: Rates

Term Interest
Rate
APY*
6-month CD 1.30% 1.30%
12-month CD 1.79% 1.80%
15-month CD ($5,000.00 Minimum) 2.38% 2.40%
18-month CD 1.99% 2.00%
24-month CD 2.03% 2.05%
36-month CD 2.13% 2.15%
48-month CD 2.28% 2.30%
60-month CD 2.72% 2.75%
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