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Certificate of Deposit (CD)
Money Market NOW
NOW Personal Checking
NOW Business Checking
Passbook Savings
Variable Rate IRA
Christmas Club
CERTIFICATE OF DEPOSIT (CD)
Term Minimum 
to Open
APY* Interest Rate
91 Day $500 0.25% 0.25%
6-11 Months $500 0.41% 0.40%
12-17 Months $500 0.56% 0.55%
18-23 Months $500 0.66% 0.65%
24-35 Months $500 0.76% 0.75%
36-47 Months $500 0.92% 0.90%
48-59 Months $500 1.02% 1.00%
60 Months $500 1.12% 1.10%
*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 Open

Minimum to Earn
Annual Percentage Yield

APY* Interest Rate
$1,000 $100,000 & Over 0.51% 0.50%
$1,000 $50,000 - $99,999.99 0.36% 0.35%
$1,000 $10,000 - $49,999.99 0.25% 0.25%
$1,000 $  2,500 - $  9,999.99 0.10% 0.10%
$1,000 Under $2,500 0.05% 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. 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 Open
APY* Interest Rate
$50 0.05% 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 Open

Minimum to Earn
Annual Percentage Yield

APY* Interest Rate
$50.00 $100,000 & Over 0.36% 0.35%
$50.00 $50,000 - $99,999.99 0.25% 0.25%
$50.00 $10,000 - $49,999.99 0.15% 0.15%
$50.00 Under $10,000 0.05% 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. 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 0.15% 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. 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 0.92% 0.90%
*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 0.51% 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.