Checking Account Rates
The following interest rates and “annual percentage yields” (APY) are subject to change at any time.
| Checking Account Types | Minimum Balance to Open and to Earn APY |
Interest Rate
| Annual Percentage
Yield |
|---|
Personal NOW Account*
Balance less than $1,000.00 |
**
|
0.00%
|
0.00%
|
Regular NOW -
(Balance $1,000 to $2,500) |
$1,000.00 |
0.01% |
0.01% |
Super NOW -
(Balance over $2,500) |
$2,500.00 |
0.02% |
0.02% |
|
Personal Convenience NOW Account
|
$ 50.00
|
0.00%
|
0.00%
|
* All NOW accounts automatically become interest earning accounts when they have a daily balance of at least $1,000. The account will earn interest at the Regular NOW rate or the Super NOW rate, depending on the daily balance.
** A $1.00 Minimum balance is required for customers who maintain $1,000 on deposit in a related Regular Savings or Money Market account which have the identical mailing address and reporting tax identification number. Otherwise, $400.00 is required to open and maintain the account.
NOW accounts are variable rate accounts. Rates are subject to change once the account is opened. Fees may reduce earnings.
Savings Rates
The following interest rates and “annual percentage yields” (APY) are subject to change at any time.
| Savings Account Types | Minimum Balance to Open and to Earn APY |
Interest Rate
| Annual Percentage
Yield |
|---|
| Regular Savings |
$100.00
|
0.02%
|
0.02%
|
| Juniors Savers Statement Savings Account |
$10.00 |
0.02% |
0.02% |
|
Christmas Club Savings Account
|
$10.00
|
0.02%
|
0.02%
|
Regular Savings accounts are variable rate accounts. Rates are subject to change once the account is opened. Fees may reduce earnings.
CD Rates
The following interest rates and “annual percentage yields” (APY) are subject to change at any time. The APY is accurate as of November 16, 2024. An early withdrawal penalty may be imposed for an early withdrawal from the Certificate of Deposit.
| Certificates of Deposit Account Types | Minimum Balance to Open and to Earn APY |
Interest Rate
| Annual Percentage
Yield |
|---|
| 182 Day Certificate |
$2,500.00
|
0.25%
|
0.25%
|
| 5 Month Special Certificate |
$2,500.00 |
4.25% |
4.25% |
| 1 Year Certificate |
$10,000.00 |
0.25% |
0.25% |
|
1 ½ Year Certificate
|
$500.00
|
3.25%
|
3.29%
|
|
2 ½ Year Certificate
|
$500.00
|
3.00%
|
3.03%
|
| 3 ½ Certificate |
$500.00 |
3.00% |
3.03% |
| 5 Year Certificate |
$500.00 |
3.00% |
3.02% |
| Five in One Certificate | Minimum Balance to Open and to Earn APY |
Interest Rate
| Annual Percentage
Yield |
|---|
|
First Year
|
$2,500.00
|
3.00%
|
3.00%
|
|
Optional Renewal - 2nd Year
|
$2,500.00
|
3.25%
|
3.25%
|
|
Optional Renewal - 3rd Year
|
$2,500.00
|
3.50%
|
3.50%
|
|
Optional Renewal - 4th Year
|
$2,500.00
|
3.75%
|
3.75%
|
|
Optional Renewal - 5th Year
|
$2,500.00
|
4.25%
|
4.25%
|
Money Market Rates
The following interest rates and “annual percentage yields” (APY) are subject to change at any time.
| Money Market Tiers | Minimum Balance to Open and to Earn APY |
Interest Rate
| Annual Percentage
Yield |
|---|
|
Tier 1
(Balance up to $2,500)
|
$500.00
|
0.02%
|
0.02%
|
|
Tier 2
(Balance $2,500 to $25,000)
|
$2,500.00
|
0.05%
|
0.02% to 0.05%
|
|
Tier 3
(Balance $25,000 to $100,000)
|
$25,000.00
|
0.10%
|
0.05% to 0.09%
|
Money Market accounts are variable rate accounts. Rates are subject to change once the account is opened. Fees may reduce earnings.
IRA Rates
The following interest rates and “annual percentage yields” (APY) are subject to change at any time. The APY is accurate as of November 16, 2024. An early withdrawal penalty may be imposed for an early withdrawal from the Certificate of Deposit.
| IRA Account Types | Minimum Balance to Open and to Earn APY |
Interest Rate
| Annual Percentage
Yield |
|---|
IRA Certificate - 2 Year Term
Contributing |
$500.00 |
3.00% |
3.03% |
| Transfer / Rollover |
$500.00 |
3.00% |
3.03% |
|
FDIC-Insured - Backed by the full faith and credit of the U.S. Government