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Home / Rates / Personal Rates

Personal Rates

Rates Effective October 22, 2024

Interest rates are subject to change without notice.


Fees may reduce earnings.

Personal Checking Accounts

TYPE OF ACCOUNTMINIMUM OPENING DEPOSIT REQUIREDMINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELDANNUAL PERCENTAGE YIELDINTEREST RATE
Regular Checking$100.00N/AN/AN/A
Economy Checking$100.00N/AN/AN/A
NOW Checking*$100.00$1,5000.05%0.04%
Premium NOW Tier 1*$25,000.00$25,000.00 - $49,999.990.05%0.04%
Premium NOW Tier 2*$25,000.00$50,000.00 - $149,999.990.10%0.09%
Premium NOW Tier 3*$25,000.00$150,000.00 and over0.15%0.14%

*NOW Accounts are “variable rate” accounts and the rate may change after account opening.

Money Market Accounts

TYPE OF ACCOUNTMINIMUM OPENING DEPOSIT REQUIREDMINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELDANNUAL PERCENTAGE YIELDINTEREST RATE
Money Market
Tier 1*
$2,500.00$2,500.00 - $24,999.990.50%0.498%
Money Market
Tier 2*
$2,500.00$25,000.00 - $49,999.992.00%1.98%
Money Market
Tier 3*
$2,500.00$50,000.00 - $249,999.993.50%3.45%
Money Market
Tier 4*
$2,500.00$250,000.00 and over4.00%3.93%

*Money Market Accounts are “variable rate” accounts and the rate may change after account opening.

Savings Accounts

TYPE OF ACCOUNTMINIMUM OPENING DEPOSIT REQUIREDMINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELDANNUAL PERCENTAGE YIELDINTEREST RATE
Statement Savings*$100.00$200.000.05%0.04%
High Yield Savings
Tier 1*
$1,000.00$1,000.00-$9,999.990.05%0.04%
High Yield Savings
Tier 2*
$1,000.00$10,000.00 and over3.50%3.45%

*Savings Accounts are “variable rate” accounts and the rate may change after account opening.

Certificate of Deposit Accounts

Penalties may be imposed for early withdrawals

TYPE OF ACCOUNTMINIMUM OPENING DEPOSIT REQUIREDMINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELDANNUAL PERCENTAGE YIELDINTEREST RATE
12 Month$500.00$500.003.75%3.68%
15 Month*$500.00$500.004.00%3.92%
18 Month$500.00$500.000.30%0.29%
Bump Up 20 Month CD**$500.00$500.004.15%4.07%
24 Month$500.00$500.000.35%0.34%
36 Month$500.00$500.000.50%0.49%
60 Month$2,500.00$2,500.000.60%0.59%

*This account will automatically renew at maturity into a fixed rate twelve (12) month certificate of deposit at the current interest rate in effect on the maturity date.


**Interest rate can be increased once during the initial term of the account to the interest rate then in effect on the Bump Up 20 Month CD.  This account will automatically renew at maturity into a fixed rate twenty four (24) month certificate of deposit at the current interest rate in effect on the maturity date.

Individual Retirement Accounts

Penalties may be imposed for early withdrawals

TYPE OF ACCOUNTMINIMUM OPENING DEPOSIT REQUIREDMINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELDANNUAL PERCENTAGE YIELDINTEREST RATE
12 Month$500.00$500.003.75%3.68%
15 Month*$500.00$500.004.00%3.92%
18 Month$500.00$500.000.30%0.29%
Bump Up 20 Month CD**$500.00$500.004.15%4.07%
24 Month$500.00$500.000.35%0.34%
36 Month$500.00$500.000.50%0.49%
60 Month$2500.00$2500.000.60%0.59%
IRA Savings***$500.00$500.000.05%0.04%

*This account will automatically renew at maturity into a fixed rate twelve (12) month certificate of deposit at the current interest rate in effect on the maturity date.


**Interest rate can be increased once during the initial term of the account to the interest rate then in effect on the Bump Up 20 Month CD.  This account will automatically renew at maturity into a fixed rate twenty four (24) month certificate of deposit at the current interest rate in effect on the maturity date.


***The IRA Savings Account is a “variable rate” account and the rate may change after account opening.

 

Interest rates are subject to change without notice.
Fees may reduce earnings.

Personal Checking and Money Market

Important Notice

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