Interest rates and annual percentage yields are current as of February 4, 2019. Bank Policy requires us to begin a new customer relationship in person with a local address.
DEPOSIT ACCOUNTS
|
|
Minimum to Open
|
Minimum Balance to Earn Disclosed APY1
|
Interest Rate
|
Annual Percentage Yield1
|
| Now Checking2 |
$25.00 |
N/A |
0.05% |
0.05% |
| Personal Checking |
$25.00 |
N/A |
N/A |
N/A |
|
Commercial Checking
|
$50.00
|
N/A
|
N/A
|
N/A
|
MONEY MARKET2
|
Minimum Balance to Earn Disclosed APY1
|
Minimum to Open
|
Interest Rate
|
Annual Percentage Yield1
|
|
Less than $2,500.00
|
$2,500.00
|
0.10%
|
0.10%
|
|
$2,500.00 – $49,999.99
|
$2,500.00
|
0.15%
|
0.15%
|
|
$50,000.00 – $99,999.99
|
$2,500.00
|
0.20%
|
0.20%
|
|
$100,000.00 or more
|
$2,500.00
|
0.25%
|
0.25%
|
SAVINGS ACCOUNTS
|
|
Minimum to Open
|
Minimum Balance to Earn Disclosed APY1
|
Interest Rate
|
Annual Percentage Yield1
|
|
Savings2
|
$10.00
|
N/A
|
0.15%
|
0.15%
|
|
Club Account2
|
$10.00
|
N/A
|
0.15%
|
0.15%
|
|
Minnow Account2
|
$1.00
|
N/A
|
0.15%
|
0.15%
|
CERTIFICATE OF DEPOSIT
|
|
Minimum to Open
|
Minimum Balance to Earn Disclosed APY1
|
Interest Rate
|
Annual Percentage Yield1
|
|
3-Month Certificate
|
$500.00
|
N/A
|
0.15%
|
0.15%
|
|
6-Month Certificate
|
$500.00
|
N/A
|
0.20%
|
0.20%
|
|
1-Year Certificate
|
$500.00
|
N/A
|
0.49%
|
0.50%
|
|
17-Month
|
$500.00
|
N/A
|
0.93%
|
0.95%
|
|
18-Month Certificate – Special
|
$500.00
|
N/A
|
2.20%
|
2.25%
|
|
2-Year Certificate
|
$500.00
|
N/A
|
0.98%
|
1.00%
|
|
4-Year Certificate – Special
|
$500.00
|
N/A
|
2.92%
|
3.00%
|
|
5-Year Certificate
|
$500.00
|
N/A
|
1.47%
|
1.50%
|
RETIREMENT ACCOUNTS
|
|
Minimum to Open
|
Minimum Balance to Earn Disclosed APY1
|
Interest Rate
|
Annual Percentage Yield1
|
|
IRA Savings2
|
$10.00
|
N/A
|
0.15%
|
0.15%
|
|
IRA 1-Year Certificate
|
$500.00
|
N/A
|
0.49%
|
0.50%
|
|
IRA 2-Year Certificate
|
$500.00
|
N/A
|
0.98%
|
1.00%
|
|
IRA 4-Year Certificate – Special
|
$500.00
|
N/A
|
2.92%
|
3.00%
|
|
IRA 5-Year Certificate
|
$500.00
|
N/A
|
1.47%
|
1.50%
|
|
1 All interest must remain on deposit for twelve months in order to obtain the disclosed Annual Percentage Yield (APY).
A withdrawal of interest could reduce your earnings. Fees could reduce your earnings. Certificates may have a penalty imposed for early withdrawal.
2 Your interest rate and annual percentage yield may change after the account is opened. At our discretion, we may change the interest rate on your account at any time.
Please Note: We use the daily balance method to calculate interest on your account. The Interest Rate and APY shown apply to the entire account balance.
The Interest Rate, APY and terms are accurate as of the effective date shown above.
For complete account information please see our Deposit Account Agreement and Disclosure documents.
This rate table is for informational purposes only.
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