Personal Deposit Rates

Checking

Product 

Regular Checking

Digital Checking

62+ 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).

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

0.10%

0.10%

0.10%

0.15%

0.15%

0.15%

0.15%

Annual Percentage Yield (APY)*

0.10%

0.10%

0.10%

0.15%

0.15%

0.15%

0.15%

Effective Date

10/26/2022

10/26/2022

10/26/2022

09/14/2022

09/14/2022

09/14/2022

09/14/2022

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

Certificates of Deposit

Short Term Plus

 Term

32 Days - 89 Days

90 Days - 179 Days

180 Days - 364 Days

Interest Rate

0.50%

1.00%

3.05%

Annual Percentage Yield (APY)*

0.51%

1.02%

3.14%

Effective Date

2/2/2023

2/2/2023

2/2/2023

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

Long Term Certificates

 Term

1 Year

1 1/2 Years

2 Years

2 1/2 Years

3 Years

4 Years

5 Years

Interest Rate

3.05%

3.05%

3.25%

2.50%

2.00%

1.80%

1.60%

Annual Percentage Yield (APY)*

3.14%

3.14%

3.35%

2.57%

2.05%

1.84%

1.64%

Effective Date

2/2/2023

2/2/2023

2/2/2023

2/2/2023

2/2/2023

2/2/2023

2/2/2023

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

Retirement Certificates

Term 

18 Month IRA

2 1/2 Year IRA

5 Year IRA

Interest Rate

3.05%

2.50%

1.60%

Annual Percentage Yield (APY)*

3.14%

2.57%

1.64%

Effective Date

2/2/2023

2/2/2023

2/2/2023

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

IRA 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

0.10%

0.10%

0.10%

0.15%

0.15%

0.15%

0.15%

Annual Percentage Yield (APY)*

0.10%

0.10%

0.10%

0.15%

0.15%

0.15%

0.15%

Effective Date

10/26/2022

10/26/2022

10/26/2022

09/14/2022

09/14/2022

09/14/2022

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.

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.

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Financial Education

 

 

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