Personal Deposit Rates

Checking

Product 

Regular Checking

Digital Checking

62+ Checking

Interest Rate

0.02%

0.02%

0.02%

Annual Percentage Yield (APY)*

0.02%

0.02%

0.02%

Effective Date

11/04/2020

11/04/2020

11/04/2020

*There is no minimum balance required to earn the annual percentage yield (APY).

Savings

 Product

Statement Savings

Christmas Club

First-Time Home Buyer Savings Account

Health Savings Account

Interest Rate

0.02%

0.02%

0.15%

0.05%

Annual Percentage Yield (APY)*

0.02%

0.02%

0.15%

0.05%

Effective Date

11/04/2020

11/04/2020

11/04/2020

05/06/2020

*There is no minimum balance required to earn the annual percentage yield (APY).

Daily Money Market

Value 

$5 -  $2,499

$2,500-$9,999

$10,000-$24,999

$25,000    -$49,999**

$50,000   -$99,999**

$100,000     -$249,000**

$250,000 and
Over**

Interest Rate

0.02%

0.03%

0.05%

0.05%

0.07%

0.10%

  0.15%  

Annual Percentage Yield (APY)*

0.02%

0.03%

0.05%

0.05%

0.07%

0.10%

0.15%

Effective Date

11/04/2020

11/04/2020

10/01/2020

10/01/2020

11/04/2020

11/04/2020

11/04/2020

*There is no minimum balance required to earn the annual percentage yield (APY).

**During that period of time when the balance of the account is $25,000 or more, the rate of earnings for the account will not be less than the weekly average yield of U.S. Treasury Securities adjusted to a constant maturity of 1 year, less 2.50%. This stipulation only applies to personal accounts, not business accounts.

Certificates of Deposit

Short Term Plus

 Term

32 Days - 89 Days

90 Days - 179 Days

180 Days - 364 Days

Interest Rate

0.05%

0.10%

0.15%

Annual Percentage Yield (APY)*

0.05%

0.10%

0.15%

Effective Date

11/04/2020

11/04/2020

11/04/2020

*There is no minimum balance required to earn the annual percentage yield (APY).

Long Term Certificates

 Term

1 Year

1 1/2 Years

2 Years

2 1/2 Years

3 Years

4 Years

5 Years

Interest Rate

0.15%

0.20%

0.25%

0.25%

0.30%

0.30%

0.40%

Annual Percentage Yield (APY)*

0.15%

0.20%

0.25%

0.25%

0.30%

0.30%

0.41%

Effective Date

11/04/2020

11/04/2020

11/04/2020

11/04/2020

11/04/2020

11/04/2020

11/04/2020

*There is no minimum balance required to earn the annual percentage yield (APY).

Retirement Certificates

Term 

18 Month IRA

2 1/2 Year IRA

5 Year IRA

Interest Rate

0.25%

0.30%

0.45%

Annual Percentage Yield (APY)*

0.25%

0.30%

0.46%

Effective Date

11/04/2020

11/04/2020

11/04/2020

*There is no minimum balance required to earn the annual percentage yield (APY).

Deposits are insured by the Federal Deposit Insurance Corporation (FDIC) to at least $250,000 for each depositor.  IRAs are separately insured up to $250,000 by the FDIC.

Federal Regulations require a substantial penalty for early withdrawal from certificate accounts.

Rate quotations are subject to change without notice.

Community Matters

Our philosophy continues to guide our decision-making and strengthen our dedication to our customers and our community. When you bank with us, your money is invested here and stays here, working for and giving back to our community.

Giving Programs

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Financial Education

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