Deposit Rates

Interest Rates and Annual Percentage Yields (APY) are subject to change and are effective as of January 1, 2025.

CERTIFICATE OF DEPOSIT

TermMinimum to OpenAPY*Interest Rate
3 Months$5000.81%0.80%
6 Months$5003.50%3.39%
12 Months$5004.10%3.96%
18 Months$5004.00%3.87%
24 Months$5003.95%3.82%
36 Months$5003.75%3.63%
48 Months$5003.65%3.54%
60 Monthis$5003.50%3.39%
*APY=Annual Percentage Yield. Interest is compounded continuously and updated APY assumes funds will remain on deposit until certificate maturity. A penalty may be imposed for early withdrawal on all certificates of deposit. Certificate rates are subject to change each week. Once established, an account maintains the initial rate of interest until certificate maturity, unless otherwise specified. APY is accurate as of the date stated above.

Money Market Now

Minimum Amount to OpenMinimum to Earn
Annual Percentage Yield		APY*Interest Rate
$1,000$100,000 & Over3.00%2.92%
$1,000$50,000 – $99,999.992.35%2.29%
$1,000$10,000 – $49,999.992.02%1.97%
$1,000$ 2,500 – $  9,999.991.50%1.47%
$1,000Under $2,5000.20%0.20%
*APY=Annual Percentage Yield. Interest is compounded continuously and posted monthly. Your interest rate and annual percentage yield may change. We may change the interest rate on your account weekly. Statements include images of your paid checks and are mailed monthly. Account holders have the ability to issue a limit of 6 transactions monthly to a third party. Deposits are unlimited. There is a $.20 per check charge. Requires maintaining a balance of $1,000 to avoid a $6 monthly service charge. Other general service fees may apply. Fees may reduce earnings. APY is accurate as of the date stated above.

Now Personal Checking

Minimum Amount to OpenAPY*Interest Rate
$500.05%0.05%
* APY=Annual Percentage Yield. Interest is compounded continuously and posted monthly. Your interest rate and annual percentage yield may change. We may change the interest rate on your account weekly. No minimum balance is required to earn the stated APY. Requires maintaining a balance of $250 to avoid a $5 monthly service charge. Other general service fees apply. Fees may reduce earnings. APY is accurate as of the date stated above.

Now Business Checking

Minimum Amount to OpenMinimum to Earn
Annual Percentage Yield		APY*Interest Rate
$50$100,000 & Over1.02%1.00%
$50$50,000 – $99,999.990.66%0.65%
$50$10,000 – $49,999.990.36%0.35%
$50Under $10,0000.20%0.20%
APY=Annual Percentage Yield. Interest is compounded continuously and posted monthly. Your interest rate and annual percentage yield may change. We may change the interest rate on your account weekly. No minimum balance is required to earn the stated APY. There is a monthly service charge of $5.00, a per deposit fee of $.11, and a per check charge of $.15. Other general service fees may apply. Fees may reduce earnings. APY is accurate as of the date stated above.

Statement Savings

Minimum to OpenAPY*Interest Rate
$5.000.20%0.20%
*APY=Annual Percentage Yield. Interest is compounded continuously and posted monthly. Your interest rate and annual percentage yield may change. We may change the interest rate on your account weekly. No minimum balance is required. No monthly service charge. No fee for ACH transactions. Other general service fees may apply. Fees may reduce earnings. APY is accurate as of the date stated above.

Variable Rate IRA

Minimum to OpenAPY*Interest Rate
$50.002.00%1.95%
*APY=Annual Percentage Yield. Interest is compounded continuously and posted monthly. Your interest rate and annual percentage yield may change. We may change the interest rate on your account weekly. No minimum balance is required. No monthly service charge. No fee for ACH transactions. Deposits are unlimited. Consult your tax advisor regarding the tax-saving possibilities and deductibility of your contributions. APY is accurate as of the date stated above.

Christmas Club

Minimum to OpenAPY*Interest Rate
$5.000.51%0.50%
*APY=Annual Percentage Yield. Interest is compounded continuously and posted quarterly. Your interest rate and annual percentage yield may change. We may change the interest rate on your account annually. No minimum balance is required. No monthly service charge. Deposits are unlimited. No fee for ACH transactions. Other general service fees may apply. Fees may reduce earnings. APY is accurate as of the date stated above.