Deposit Rates

Personal and Business Account Rates

As of December 2, 2022

Term

Minimum Deposit

Interest Rate

Annual Percentage Rate (APY)

Interest Rate

Annual Percentage Rate (APY)

 

 

 

Under $100,000.00

 

Over $100,000.00

Certificates of Deposit

13 Month CD Special*

23 Month CD Special*

          *consumer only

$10,000

$10,000

     

2.96%

3.20%

      

3.00%

3.25%

        

2.96%

3.20%

       

3.00%

3.25%

        

Less than 6 months

$1,000

0.42%

0.42%

0.45%

0.45%

6 Month Term

$1,000

0.57%

0.57%

0.60%

0.60%

12 Month Term

$1,000

0.86%

0.86%

0.89%

0.89%

18 Month Term

$1,000

0.89%

0.89%

0.92%

0.92%

24 Month Term

$1,000

0.91%

0.91%

0.94%

0.94%

30 Month Term

$1,000

1.03%

1.03%

1.06%

1.07%

36 Month Term

$1,000

1.05%

1.06%

1.08%

1.09%

48 Month Term

$1,000

1.15%

1.16%

1.18%

1.19%

60 Month Term

$1,000

1.25%

1.26%

1.28%

1.29%

Account Balance

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Savings

$0.01 to $9,999

$50

0.05%

0.05%

$10,000 to $24,999

$50

0.07%

0.07%

$25,000 to $99,999

$50

0.07%

0.07%

Over $100,000

$50

0.09%

0.09%

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Christmas Club

$1

0.05%

0.05%

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Minor Savings

$50

0.05%

0.05%

Account Balance

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Health Savings Accounts

$0 to $999

$1

0.05%

0.05%

$1,000 to $4,999

$1

0.07%

0.07%

$5,000 to $9,999

$1

0.07%

0.07%

Over $10,000

$1

0.09%

0.09%

Product Name

Interest Rate

Annual Percentage Rate (APY)

Checking Accounts

    $50 minimum opening deposit required on all checking accounts

Performance Interest Checking

 

55+ Prestige Interest Checking

Direct Easy Interest Checking

Business Interest Checking

Not for Profit Interest Checking

0.03%             $0.00 to $999.99

0.03%             $1,000.00 and above

0.03%

0.03%

0.03%

0.03%

0.03%     $0.00 to $999.99

0.03%     $1,000.00 and above

0.03%

0.03%

0.03%

0.03%

Account Balance

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Money Market Account

$0.01 to $9,999

$50

0.10%

0.10%

$10,000 to $24,999

$50

0.20%

0.20%

$25,000 to $99,999

$50

0.50%

0.50%

Over $100,000

$50

0.75%

0.75%

Term

Minimum Deposit

Interest Rate

Annual Percentage Rate (APY)

Interest Rate

Annual Percentage Rate (APY)

-

-

 

Under $100,000

Over $100,000
Individual Retirement Account

18 Month Certificate

$500

0.89%

0.89%

0.89%

0.89%

36 Month Certificate

$500

1.05%

1.05%

1.05%

1.05%

Prime Time IRA

$100

0.20%

0.20%

0.20%

0.20%

Rates are subject to change and may change after the account is open.  Fees could reduce earnings.  A penalty may be imposed for early withdrawal of CDs.

 

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