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Rates Resources

Our deposit rates

Rates are effective as of August 10, 2022, and are subject to change without notice.

Certificates of Deposit (CDs)

Comparison table of Certificates of Deposit (CDs).
Term Min. Opening Deposit Interest Rate Annual Percentage Yield
30 Days $5,000 0.20% 0.20%
3 Months $5,000 0.25% 0.25%
6 Months $5,000 0.30% 0.30%
12 Months $5,000 0.36% 0.36%
18 Months $5,000 0.41% 0.41%
24 Months $5,000 0.46% 0.46%
36 Months $5,000 0.51% 0.51%
48 Months $5,000 0.56% 0.56%
60 Months $5,000 0.61% 0.61%
15 Month Special $10,000 1.00% 1.00%
31 Month Special $10,000 1.10% 1.11%

Fees could reduce earnings on the account. Penalties may be applied for early withdrawal. 

Preferred CD rates may be available when total current balances of deposits and/or in-house loans meets or exceeds specified levels at time CD is opened or renegotiated (may not be available on all specials). Contact us for more details.

Individual Retirement Accounts (IRAs)

Comparison table of Individual Retirement Accounts (IRAs).
Term Min. Opening Deposit Interest Rate Annual Percentage Yield
18 Month Variable Rate IRA - 0.25% Floor* $500 2.18% 2.20%
12 Months (Fixed Rate)** $500 0.36% 0.36%
30 Months (Fixed Rate)** $500 0.46% 0.46%
48 Months (Fixed Rate)** $500 0.56% 0.56%
60 Months (Fixed Rate)** $500 0.61% 0.61%

Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.

*The 18 Month Variable Rate IRA rate and APY may change after the account is opened on the first Tuesday of each month.

**Preferred rates may be available on Fixed Rate IRA CDs when total current balances of deposits and/or in-house loans meets or exceeds specified levels at the time the IRA CD is opened or renegotiated. Contact us for more details. 

Checking Accounts

Comparison table of Checking Accounts.
Product/Interest Rate Tier Min. Opening Deposit Min. Balance to Obtain APY Interest Rate Annual Percentage Yield
Interest Checking $50 $0.01 0.01% 0.01%
50+ Interest Checking $50 $0.01 0.01% 0.01%
Top Tier Checking
Tier 1
$50 $0.01 – $1,499.99 0.01% 0.01%
Top Tier Checking
Tier 2
$50 $1,500.00 + 0.02% 0.02%
Business Interest Checking
Tier 1
$50 $0.01 – $4,999.99 0.01% 0.01%
Business Interest Checking
Tier 2
$50 $5,000.00 + 0.02% 0.02%

Fees could reduce earnings on the account. Your interest rate and APY may change at any time after the account is opened.

Money Market Account

Comparison table of Money Market Account.
Interest Rate Tier Min. Opening Deposit Min. Balance to Obtain APY Interest Rate Annual Percentage Yield
Tier 1 $5,000 $0.01 – $9,999.99 0.01% 0.01%
Tier 2 $5,000 $10,000.00 – $24,999.99 0.05% 0.05%
Tier 3 $5,000 $25,000.00 – $49,999.99 0.05% 0.05%
Tier 4 $5,000 $50,000.00 + 0.15% 0.15%

Fees could reduce earnings on the account. Your interest rate and APY may change at any time after the account is opened.

Savings Accounts

Comparison table of Savings Accounts.
Product Min. Opening Deposit Min. Balance to Obtain APY Interest Rate Annual Percentage Yield
Regular Savings $100 $200.00 0.02% 0.02%
Youth Savings $25 $0.01 0.02% 0.02%
Christmas Club Savings* $5 $0.01 0.02% 0.02%
Business Savings $100 $200.00 0.02% 0.02%

Fees could reduce earnings on the account. Your interest rate and APY may change at any time after the account is opened.

*Penalties may be applied for early withdrawal.

Health Savings Account

Comparison table of Health Savings Account.
Interest Rate Tier Min. Opening Deposit Min. Balance to Obtain APY Interest Rate Annual Percentage Yield
Tier 1 $100 $0.01 – $4,999.99 0.01% 0.01%
Tier 2 $100 $5,000.00 – $9,999.99 0.01% 0.01%
Tier 3 $100 $10,000.00 – $24,999.99 0.02% 0.02%
Tier 4 $100 $25,000.00 + 0.02% 0.02%

Your interest rate and APY may change at any time after the account is opened.

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