Personal Deposit Rates
Checking
|
Regular Checking |
20 Checking |
62+ Checking | |
|---|---|---|---|
|
Interest Rate |
0.05% |
0.05% |
0.05% |
|
Annual Percentage Yield (APY)* |
0.05% |
0.05% |
0.05% |
|
Effective Date |
10/3/18 |
10/3/18 |
10/3/18 |
*There is no minimum balance required to earn the annual percentage yield (APY).
Savings
|
Statement Savings |
Christmas Club | |
|---|---|---|
|
Interest Rate |
0.10% |
0.10% |
|
Annual Percentage Yield (APY)* |
0.10% |
0.10% |
|
Effective Date |
11/07/18 |
11/07/18 |
*There is no minimum balance required to earn the annual percentage yield (APY).
Daily Money Market
|
|
$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 |
|---|---|---|---|---|---|---|---|
|
Interest Rate |
0.20% |
0.30% |
0.40% |
0.50% |
0.90% |
1.00% |
1.10% |
|
Annual Percentage Yield (APY)* |
0.20% |
0.30% |
0.41% |
0.51% |
0.92% |
1.02% |
1.12% |
|
Effective Date |
11/28/18 |
11/28/18 |
11/28/18 |
11/28/18 |
11/28/18 |
11/28/18 |
11/28/18 |
*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
|
32 Days - 89 Days |
90 Days - 179 Days |
180 Days - 364 Days | |
|---|---|---|---|
|
Interest Rate |
0.40% |
0.50% |
1.00% |
|
Annual Percentage Yield (APY)* |
0.40% |
0.51% |
1.02% |
|
Effective Date |
12/12/18 |
12/12/18 |
12/12/18 |
*There is no minimum balance required to earn the annual percentage yield (APY).
Long Term Certificates
|
|
1 Year |
1 1/2 Years |
2 Years |
2 1/2 Years |
3 Years |
4 Years |
5 Years |
|---|---|---|---|---|---|---|---|
|
Interest Rate |
1.70% |
2.00% |
2.40% |
2.55% |
2.75% |
2.85% |
2.95% |
|
Annual Percentage Yield (APY)* |
1.74% |
2.05% |
2.46% |
2.62% |
2.83% |
2.93% |
3.04% |
|
Effective Date |
11/21/18 |
11/21/18 |
11/21/18 |
11/21/18 |
11/21/18 |
11/21/18 |
11/21/18 |
*There is no minimum balance required to earn the annual percentage yield (APY).
Retirement Certificates
|
18 Month IRA |
2 1/2 Year IRA |
5 Year IRA | |
|---|---|---|---|
|
Interest Rate |
2.20% |
2.75% |
3.15% |
|
Annual Percentage Yield (APY)* |
2.26% |
2.83% |
3.25% |
|
Effective Date |
11/21/18 |
11/21/18 |
11/21/18 |
*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.