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.
|
