Deposit Rates

Effective as of 10/01/2019

  • 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$100.000.15%0.15%
Basic Money Market*: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees$2,500.00 or more0.15%0.15%
$2,499.99 or less0.15%0.15%
Premier Money Market*: Tiered Account ; $2,500.00 Minimum Average Balance required to avoid fees$5,000.00 or more0.20%0.20%
More than $2,499.99 less than $5,000.000.15%0.15%
$2,499.99 or less0.15%0.15%
High Yield Money Market*: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees$10,000.00 or more0.25%0.25%
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%
Prime Money Market*: Tiered Account; $2,500.00
Minimum Average Balance required to avoid fees
$400,000 or more0.80%0.80%
More than $24,999.99 but less than $400,0000.50%0.50%
More than $9,999.99 less than $25,000.000.25%0.25%
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 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 0.15%0.15%
Christmas Club Accounts
-Penalty for early withdrawal
No Minimum Balance0.15%0.15%


Certificates of Deposit**

DescriptionInterest RateAnnual Percentage Yield
6-month CD0.75%0.75%
9-month CD Special ($5,000 Minimum)1.85%1.85%
12-month CD1.35%1.35%
13-month CD Special ($5,000 Minimum)1.99%2.00%
18-month CD1.55%1.55%
24-month CD1.65%1.65%
36-month CD1.79%1.80%
48-month CD1.99%2.00%
60-month CD2.33%2.35%

IRAs (Traditional, Roth & Educational)**

DescriptionInterest RateAnnual Percentage Yield 
12-month Fixed1.35%1.35%
15-month Fixed Special ($5,000.00 Minimum)1.99%2.00%
18-month Fixed1.55%1.55%
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. 6-month CD compounds at maturity. Quarterly compounding on CDs 9 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 0.75% 0.75%
9-month CD Special ($5,000 Minimum) 1.85% 1.85%
12-month CD 1.35% 1.35%
13-month CD Special ($5,000.00 Minimum) 1.99% 2.00%
18-month CD 1.55% 1.55%
24-month CD 1.65% 1.65%
36-month CD 1.79% 1.80%
48-month CD 1.99% 2.00%
60-month CD 2.33% 2.35%
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 6 months and less. Quarterly compounding on accounts 9 months & over. Fees may reduce earnings