Personal Deposit Rates

Checking

ProductRegular CheckingDigital Checking62+ Checking
Interest Rate 0.01% 0.01% 0.01%
Annual Percentage Yield (APY)* 0.01% 0.01% 0.01%
Effective Date 05/19/2021 05/19/2021 05/19/2021

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

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Savings

ProductStatement SavingsChristmas ClubFirst-Time Home Buyer Savings AccountHealth 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).

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Money Market

Daily Money Market
ValueInterest RateAnnual Percentage Yield (APY)*Effective Date
$5 - $2,499 0.10% 0.10% 10/26/2022
$2,500-$9,999 0.10% 0.10% 10/26/2022
$10,000-$24,999 0.10% 0.10% 10/26/2022
$25,000 -$49,999**

0.15%

0.15%

09/14/2022
$50,000 -$99,999** 0.15% 0.15% 09/14/2022
$100,000 -$249,000** 0.15% 0.15% 09/14/2022
$250,000 and Over** 0.15% 0.15% 09/14/2022

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

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Certificates of Deposit

Short Term Plus
TermInterest RateAnnual Percentage Yield (APY)*Effective Date
32 Days - 89 Days 1.00% 1.02% 07/06/2023
90 Days - 179 Days 2.00% 2.05% 07/06/2023
180 Days - 364 Days 4.85% 5.04% 09/06/2023

*Minimum daily balance to maintain annual percentage yield (APY) is $500.

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Long Term Certificates
TermInterest RateAnnual Percentage Yield (APY)*Effective Date
1 Year 4.85% 5.04% 09/06/2023
1 1/2 Years 4.30% 4.46% 02/21/2024
2 Years 3.25% 3.35% 02/02/2023
2 1/2 Years 2.50% 2.57% 02/02/2023
3 Years 2.00% 2.05% 02/02/2023
4 Years 1.80% 1.84% 02/02/2023
5 Years 1.60% 1.64% 02/02/2023

*Minimum daily balance to maintain annual percentage yield (APY) is $100.

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Retirement Certificates
TermInterest RateAnnual Percentage Yield (APY)*Effective Date
18 Month IRA 4.60% 4.77% 01/10/2024
2 1/2 Year IRA 2.50% 2.57% 02/02/2023
5 Year IRA 1.60% 1.64% 02/02/2023

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

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IRA Money Market
 ValueInterest Rate Annual Percentage Yield (APY)*Effective Date 
$5 - $2,499 0.10% 0.10% 10/26/2022

$2,500-$9,999

0.10% 0.10% 10/26/2022

$10,000-$24,999

0.10% 0.10% 10/26/2022
$25,000 -$49,999 0.15% 0.15% 09/14/2022
$50,000 -$99,999 0.15% 0.15% 09/14/2022
$100,000 -$249,000 0.15% 0.15% 09/14/2022
$250,000 and
Over
0.15% 0.15% 09/14/2022

 *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.

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