Account Rates
All APYs stated are accurate as of 9/25/2019
Certificates of Deposit (CD)
| Term | Minimum to Open |
APY* | Interest Rate |
| 91 Day | $500.00 | 0.87% | 0.85% |
| 6-11 Months | $500.00 | 1.84% | 1.80% |
| 12-17 Months | $500.00 | 2.20% | 2.15% |
| 18-23 Months | $500.00 | 2.46% | 2.40% |
| 24-35 Months | $500.00 | 2.57% | 2.50% |
| 36-47 Months | $500.00 | 2.67% | 2.60% |
| 48-59 Months | $500.00 | 2.78% | 2.70% |
| 60 Months | $500.00 | 2.93% | 2.85% |
*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 Account
| Minimum Amount to Open |
Minimum to Earn Annual Percentage Yield |
APY* | Interest Rate |
| $1,000.00 | $100,000 & Over | 1.02% | 1.00% |
| $1,000.00 | $50,000 to 99,999.99 | 0.76% | 0.75% |
| $1,000.00 | $10,000 to $49,999.99 | 0.46% | 0.45% |
| $1,000.00 | $2,500 to 9,999.99 | 0.36% | 0.35% |
| $1,000.00 | Under $2,500.00 | 0.15% | 0.15% |
* 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 $1,000.00 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 Account
| Minimum Amount to Open |
APY* | Interest Rate |
| $50.00 | 0.25% | 0.25% |
* 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 Account
| Minimum to Open |
Minimum to Earn Annual Percentage Yield |
APY* | Interest Rate |
| $50.00 | $100,000 & Over | 0.76% | 0.75% |
| $50.00 | $50,000 to $99,999.99 | 0.51% | 0.50% |
| $50.00 | $10,000 to $49,999.99 | 0.25% | 0.25% |
| $50.00 | Under $10,000 | 0.10% | 0.10% |
* 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.
Passbook Savings
| Minimum Amount to Open |
APY* | Interest Rate |
| $5.00 | 0.30% | 0.30% |
*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 Amount to Open |
APY* | Interest Rate |
| $50.00 | 2.57% | 2.50% |
*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 Amount to Open |
APY* | Interest Rate |
| $5.00 | .51% | .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.