Deposit Rates

Interest rates and annual percentage yields are current as of November 12, 2018.  Bank Policy requires us to begin a new customer relationship in person with a local address.

DEPOSIT ACCOUNTS

 
Minimum to Open
Minimum Balance to Earn Disclosed APY1
Interest Rate
 Annual Percentage Yield1
Now Checking2 $25.00 N/A 0.05% 0.05%
Personal Checking $25.00 N/A N/A N/A
Commercial Checking
$50.00
N/A
N/A
 N/A

MONEY MARKET2

Minimum Balance to Earn Disclosed APY1
Minimum to Open
Interest Rate
 Annual Percentage Yield1
Less than $2,500.00
$2,500.00
0.10%
0.10% 
$2,500.00 - $49,999.99
$2,500.00
0.15%
0.15% 
$50,000.00 - $99,999.99
$2,500.00
0.20%
0.20% 
$100,000.00 or more
$2,500.00
0.25%
0.25% 

SAVINGS ACCOUNTS

 
Minimum to Open
Minimum Balance to Earn Disclosed APY1 
Interest Rate
Annual Percentage Yield1
Savings2
$10.00
N/A 
0.15%
0.15%
Club Account2
$10.00
N/A 
0.15%
0.15%
Minnow Account2
$1.00 
N/A
0.15%
0.15% 

CERTIFICATE OF DEPOSIT

 
Minimum to Open
Minimum Balance to Earn Disclosed APY1 
Interest Rate
Annual Percentage Yield1
3-Month Certificate
$500.00
N/A 
0.15%
0.15%
6-Month Certificate
$500.00
N/A
0.20%
0.20%
1-Year Certificate
$500.00
N/A
0.49%
0.50%
17-Month - Special
$500.00
N/A
1.95%
2.00%
18-Month Certificate
$500.00 
 N/A
0.49% 
0.50% 
2-Year Certificate
$500.00
N/A
0.98%
1.00%
4-Year Certificate
$500.00
N/A
1.47%
1.50%
5-Year Certificate
$500.00
N/A
1.71%
1.75%

RETIREMENT ACCOUNTS

 
Minimum to Open
Minimum Balance to Earn Disclosed APY1  
Interest Rate
Annual Percentage Yield1
IRA Savings2
$10.00
N/A
0.15%
0.15%
IRA 1-Year Certificate
$500.00
N/A
0.49%
0.50%
IRA 2-Year Certificate
$500.00
N/A
0.98%
1.00%
IRA 4-Year Certificate
$500.00
N/A
1.47% 
1.50%
IRA 5-Year Certificate
 $500.00 
N/A
1.71%
1.75%

 

1  All interest must remain on deposit for twelve months in order to obtain the disclosed Annual Percentage Yield (APY).
A withdrawal of interest could reduce your earnings. Fees could reduce your earnings. Certificates may have a penalty imposed for early withdrawal.
2  Your interest rate and annual percentage yield may change after the account is opened. At our discretion, we may change the interest rate on your account at any time.
Please Note: We use the daily balance method to calculate interest on your account. The Interest Rate and APY shown apply to the entire account balance.
The Interest Rate, APY and terms are accurate as of the effective date shown above.
For complete account information please see our Deposit Account Agreement and Disclosure documents.
This rate table is for informational purposes only.

 FDIC