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Deposit and Certificate Rates
Check out our competitive rates, effective April 27, 2025.
Retail Checking Rates
|
Product
|
Interest Rate**
|
APY*
|
Minimum To Open Account
|
Minimum Balance To Obtain APY*
|
Minimum Balance To Avoid Monthly Fee
|
Minimum Balance Fee
|
|---|---|---|---|---|---|---|
| Free Checking | N/A | N/A | $50.00 | N/A | None | None |
| Interest Checking | 0.03% | 0.03% | $100.00 | $100.00 | $100.00 | $15.00 |
| Premier Checking | 0.03% | 0.03% | $2500.00 | $2500.00 | $2500.00 | $15.00 |
| 50+ Checking | 0.05% | 0.05% | $100.00 | $100.00 | None | None |
| Money Market Tier 1 | 0.10% | 0.10% | $1,000.00 | $1,000.00 | $1,000.00 | $15.00 |
| Money Market Tier 2 |
0.10% | 0.10% | $1,000.00 | $30,000.00 | $1,000.00 | $15.00 |
| Money Market Tier 3 |
0.10% | 0.10% | $1,000.00 | $50,000.00 | $1,000.00 | $15.00 |
| Money Market Tier 4 |
0.15% | 0.15% | $1,000.00 | $100,000.00 | $1,000.00 | $15.00 |
| Money Market Tier 5 |
0.25% | 0.25% | $1,000.00 | $200,000.00 | $1,000.00 | $15.00 |
Business Deposit Rates
|
Product
|
Interest Rate**
|
APY*
|
Minimum To Open Account
|
Minimum Balance To Obtain APY*
|
Minimum Balance To Avoid Monthly Fee
|
Minimum Balance Fee
|
|---|---|---|---|---|---|---|
| Business Checking | N/A | N/A | $500.00 | N/A | None | None |
| Business Interest Checking | 0.03% | 0.03% | $1000.00 | $1000.00 | $1000.00 | $20.00 |
| Business Money Market Tier 1 |
0.10% | 0.10% | $1000.00 | $1000.00 | $1000.00 | $25.00 |
| Business Money Market Tier 2 | 0.10% | 0.10% | $1000.00 | $30,000.00 | $1000.00 | $25.00 |
| Business Money Market Tier 3 | 0.10% | 0.10% | $1000.00 | $50,000.00 | $1000.00 | $25.00 |
| Business Money Market Tier 4 | 0.15% | 0.15% | $1000.00 | $100,000.00 | $1000.00 | $25.00 |
| Business Money Market Tier 5 | 0.25% | 0.25% | $1000.00 | $200,000.00 | $1000.00 | $25.00 |
Savings Rates
|
Product
|
Interest Rate**
|
APY*
|
Minimum To Open Account
|
Minimum Balance To Obtain APY*
|
Minimum Balance To Avoid Monthly Fee
|
Minimum Balance Fee
|
|---|---|---|---|---|---|---|
| Statement Savings | 0.05% | 0.05% | $100.00 | $100.00 | $100.00 | $5.00 |
| Passbook Savings | 0.05% | 0.05% | $100.00 | $100.00 | $100.00 | $5.00 |
| IRA Money Market Tier 1 |
0.05% | 0.05% | $1000.00 | $1000.00 | $1000.00 | $15.00 |
| IRA Money Market Tier 2 | 0.10% | 0.10% | $1000.00 | $30,000.00 | $1000.00 | $15.00 |
| Holiday Club+ | 0.10% | 0.10% | $1.00 | $1.00 | None | None |
| Kids Saver Account | 0.15% | 0.15% | $25.00 | $25.00 | None | None |
Certificates of Deposit Rates***
|
Certificate Term
|
Interest Rate
|
APY*
|
Minimum To Open
|
|---|---|---|---|
| 91 Day | 0.30% | 0.30% | $500.00 |
| 182 Day | 0.50% | 0.50% | $500.00 |
| 1 Year | 0.60% | 0.60% | $500.00 |
| 18 Month |
1.00% | 1.01% | $500.00 |
| 2 Year | 1.00% | 1.01% | $500.00 |
| 3 Year | 1.00% | 1.01% | $500.00 |
| 4 Year | 1.00% | 1.01% | $500.00 |
| 5 Year | 1.00% | 1.01% | $500.00 |
| 5 Month CD Special | 3.93% | 4.00% | $500.00 |
| 7 Month CD Special | 3.93% | 4.00% | $500.00 |
* APY = Annual Percentage Yield
** Interest Rate and Annual Percentage Yield may vary after account is opened. Fees may reduce earnings.
*** A penalty will or may be imposed for early withdrawal if you withdraw any or all of the deposited funds before the maturity date. The penalty assessed is based on the term of the Certificate of Deposit.
Contact your local branch for details.
Holiday Club
+ The maturity date of this club account is October 3rd; its term varies depending on when the account is opened. A $15.00 penalty will be imposed and account closed for early withdrawal, regardless of amount.
Checking and Savings deposit interest rates may change after the account is opened. The stated Rates and APYs are accurate as of the date indicated at the top of this page and are subject to change at any time. FEES MAY REDUCE EARNINGS. Ask our Branch personnel for more information.