Our deposit rates
Rates are effective as of January 20, 2020, and are subject to change without notice.
Certificate of Deposits (CDs)
| Product | Min. Opening Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| 30 Days | $5,000.00 | 0.250% | 0.250% |
| 3 Months | $5,000.00 | 0.350% | 0.350% |
| 6 Months | $5,000.00 | 0.450% | 0.450% |
| 12 Months | $5,000.00 | 0.650% | 0.650% |
| 18 Months | $5,000.00 | 0.750% | 0.750% |
| 24 Months | $5,000.00 | 0.950% | 0.950% |
| 36 Months | $5,000.00 | 1.150% | 1.160% |
| 48 Months | $5,000.00 | 1.350% | 1.360% |
| 60 Months | $5,000.00 | 1.600% | 1.610% |
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.
Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.
CD Specials
| Product | Min. Opening Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| 9 Month Special | $10,000.00 | 1.100% | 1.100% |
| 15 Month Special | $10,000.00 | 1.350% | 1.350% |
| 31 Month Special | $10,000.00 | 1.550% | 1.560% |
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. Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.
Individual Retirement Account (IRA) CDs
| Product | Min. Opening Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| 18 Month Variable IRA - 0.75% Floor* | $500.00 | 1.540% | 1.550% |
| 12 Month Fixed Rate** | $500.00 | 0.650% | 0.650% |
| 30 Month Fixed Rate** | $500.00 | 0.950% | 0.950% |
| 48 Month Fixed Rate** | $500.00 | 1.350% | 1.360% |
| 60 Month Fixed Rate** | $500.00 | 1.600% | 1.610% |
Fees could reduce earnings on the account. Penalties may be applied for early withdrawal.
*The 18 Month Variable Rate IRA rate and APY subject to change on the first Tuesday of the 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
| Product | Min. Opening Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| Interest Checking | $50.00 | 0.050% | 0.050% |
| 50+ Interest Checking | $50.00 | 0.050% | 0.050% |
| Top Tier Checking $0.01 - $1,499.99 |
$50.00 | 0.050% | 0.050% |
| Top Tier Checking $1,500 + |
$0.00 | 0.100% | 0.100% |
| Business Interest Checking $0.01 - $4,999.99 |
$50.00 | 0.050% | 0.050% |
| Business Interest Checking $5,000 + |
$0.00 | 0.100% | 0.100% |
Fees could reduce earnings on the account. Your interest rate and APY may change at any time for checking, savings, and money market accounts.
Money Market Account
| Product | Min. Opening Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| $0.01 - $9,999.99 | $5,000.00 | 0.150% | 0.150% |
| $10,000 - $24,999.99 | $0.00 | 0.200% | 0.200% |
| $25,000 - $49,999.99 | $0.00 | 0.300% | 0.300% |
| $50,000 + | $0.00 | 0.450% | 0.450% |
Fees could reduce earnings on the account. Your interest rate and APY may change at any time for checking, savings, and money market accounts.
Savings Accounts
| Product | Min. Opening Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| Regular Savings | $0.00 | 0.100% | 0.100% |
| Christmas Club Savings | $5.00 | 0.100% | 0.100% |
Fees could reduce earnings on the account. Your interest rate and APY may change at any time for checking, savings, and money market accounts.
Health Savings Account
| Product | Min. Opening Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| $0.01 - $4,999.99 | $100.00 | 0.100% | 0.100% |
| $5,000 - $9,999.99 | $0.00 | 0.200% | 0.200% |
| $10,000 - $24,999.99 | $0.00 | 0.300% | 0.300% |
| $25,000 + | $0.00 | 0.400% | 0.400% |
Fees could reduce earnings on the account. Your interest rate and APY may change at any time for checking, savings, and money market accounts.