Our Rates
*For all accounts below: Annual Percentage Yield effective 04/05/23. Fees may reduce earnings.
*For NOW, Money Market Investment, Christmas Club, and Regular Savings: APY is variable and subject to change.
*For CDs and IRAs, a penalty may be imposed for early withdrawal.
Deposit Accounts
| Product Name |
Minimum Required |
Interest Rate |
Annual Percentage Yield |
| NOW Account |
$1,000 |
0.25% |
0.25% |
| Money Market Investment ($0.01 - $49,999.99 / $50,000 & Above) |
$1,000 |
0.25% |
0.25% |
| Christmas Club |
$5 |
0.25% |
0.25% |
| Regular Savings |
$100 |
0.25% |
0.25% |
CDs
| Product Name |
Minimum Required |
Interest Rate |
Annual Percentage Yield |
| 7 Day CD |
$20,000 |
0.75% |
0.75% |
| 1 - 3 Month CD |
$1,000 |
2.00% |
2.27% |
| 6 Month CD |
$1,000 |
4.50% |
4.55% |
| 9 Month CD |
$1,000 |
4.00% |
4.00% |
| 1 Year CD |
$1,000 |
4.00% |
4.00% |
| 18 Month CD |
$1,000 |
3.75% |
3.75% |
| 2 Year CD |
$1,000 |
3.75% |
3.75% |
| 3 Year CD |
$1,000 |
3.75% |
3.75% |
Early Withdrawal Penalty
7 Day CD - 18 Month CD: 31 days
2 Year CD: 120 days
3 Year CD: 182 days
Deposits of $100,000.00 or more add 0.25%.
Personal CD Balances of $1,000,000.00 or more add 0.50%.
IRAs
*The APY for all fixed IRAs is based on interest paid quarterly.
| Product Name |
Minimum Required |
Interest Rate |
Annual Percentage Yield |
| 12 Month IRA Variable |
$100 |
4.00% |
4.00% |
| 12 Month IRA Fixed |
$100 |
4.00% |
4.00% |
| 18 Month IRA Fixed |
$100 |
3.75% |
3.75% |
|
24 Month IRA Fixed
(Early withdrawal penalty 120 days)
|
$100 |
3.75% |
3.75% |
|
36 Month IRA Fixed
(Early withdrawal penalty 182 days)
|
$100 |
3.75% |
3.75% |
