Deposit Rates

DEPOSIT INTEREST RATES

Rates effective as of May 4, 2021

CDs & IRAs*

Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Balance to Obtain APY
Start Small CD - 6 months 0.10% 0.10% $25 $25
91 days 0.05% 0.05 % $500 $500
182 days 0.10% 0.10% $500 $500
9 months 0.12% 0.12 % $500 $500
1 year 0.15% 0.15% $500 $500
15 months 0.20% 0.20% $500 $500
2 year 0.25% 0.25% $500 $500
3 year 0.30% 0.30% $500 $500
4 year 0.40% 0.40% $500 $500
5 year 0.45% 0.45% $500 $500
3-Year "Options" 0.27% 0.27% $1,000 $1,000

*A penalty may be imposed for early withdrawal from a CD or IRA CD. IRA accounts require $100 minimum opening deposit. You must maintain  a minimum of $100 in the account each day to obtain the disclosed APY.

Savings

Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Balance to Obtain APY
Statement Savings 0.03% 0.03% $50 $100
Pay Yourself First (PYF) Savings 0.05% 0.05% $100 $0.01
Holiday Club Savings 0.20% 0.20% $20 $100
Property Tax Club Savings 0.20% 0.20% $20 $0.01
Smart Savings

$0-$999
$1000+


0.01%
0.05%


0.01%
0.05%


$1,000
$1,000


$0.01
$1,000
Health Savings

$0-$499
$500+


0.00%
0.05%


0.00%
0.05%


$200
$200


$0
$500

Money Market Accounts

Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Balance to Obtain APY
Money Market

$0 - $2,499
$2,500-$9,999
$10,000-$49,999
$50,000+


0.01%
0.05%
0.08%
0.15%


0.01%
0.05%
0.08%
0.15%
$200

$0.01
$2,500
$10,000
$50,000
Money Market Plus and Business Money Market

$0-$9,999
$10,000-$34,999
$35,000+




0.00%
0.08%
0.15%




0.00%
0.08%
0.15%
$10,000




$10,000
$35,000
Asset Builder

$0-$49,999
$50,000


0.01%
0.20%


0.01%
0.20%
$50,000

$0.01
$50,000

Checking Accounts

Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Balance to Obtain APY
Interest Checking 0.01% 0.01% $200 $0.01
Senior Interest Checking 0.01% 0.01% $200 $0.01
Mortgage Plus Checking 0.01% 0.01% $200 $0.01
Business Interest Checking

$0-$9,999
$10,000+




0.00%
0.01%




0.00%
0.01%
$10,000 $10,000

Rates effective as of 5/4/2021. Interest rates are subject to change without notice. Fees may reduce earnings. Complete Interest Payments and Calculations information here.

Government regulations require that we make the following disclosures available to you when you open an account. You may print these disclosures for your files, if you wish. Refer to account disclosure for further details.

Customer Notice: To assist the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.