Current Rates
- Personal Checking Accounts
- Business Checking Accounts
- Savings Accounts
- Money Market Accounts
- CDs
- IRAs
Personal Checking Accounts
| Interest Rate* | APY* | Min. Bal. to Obtain APY** | |
|---|---|---|---|
| Personal Checking | 0.00% | 0.00% | N/A |
| Free Checking*** | 0.00% | 0.00% | N/A |
| NOW Checking | 0.05% | 0.05% | $1,000 |
*Interest Rate and Annual Percentage Yield (APY) offered is accurate as of 5/10/2016. Fees or early withdrawal penalties may reduce earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening.
**Daily Balance. The amount of the principal in the account each day.
***Requires one of the following: Direct Deposit, account holders 59 years of age or older, students, teachers, firefighters, EMTs, police, and military.
Business Checking Accounts
| Interest Rate* | APY* | Min. Bal. to Obtain APY** | |
|---|---|---|---|
| Business NOW Checking | 0.05% | 0.05% | $1,000 |
*Interest Rate & Annual Percentage Yield (APY) offered is accurate as of 5/10/2016. Fees or early withdrawal penalties may reduce earnings on interest bearing accounts. Business checking accounts come with a no annual fee merchant account. The interest rate and annual percentage yield may change after account opening. Regulations may restrict eligibility for certain types of account holders.
**Daily Balance. The amount of the principal in the account each day.
Personal Savings Accounts
| Interest Rate* | APY* | Min. Bal. to Obtain APY** | |
|---|---|---|---|
| Statement Savings | 0.10% | 0.10% | $200 |
| Minor Statement Savings*** | 0.10% | 0.10% | $100 |
*Interest Rate and Annual Percentage Yield (APY) offered is accurate as of 5/10/2016. Fees or early withdrawal penalties may reduce earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening.
**Daily Balance. The amount of the principal in the account each day.
***Minor accounts apply to persons under 18 years of age.
Business Savings Accounts
| Interest Rate* | APY* | Min. Bal. to Obtain APY** | |
|---|---|---|---|
| Business Statement Savings | 0.10% | 0.10% | $200** |
*Interest Rate and Annual Percentage Yield (APY) offered is accurate as of 5/10/2016. Fees or early withdrawal penalties may reduce earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening.
**Daily Balance. The amount of the principal in the account each day.
Personal Money Market Accounts
| Daily Balance | Interest Rate* | APY* | Min. Bal. to Obtain APY** |
|---|---|---|---|
| $0.01 – $24,999.99 | 0.10% | 0.10% | $2,500** |
| $25,000 – $49,999.99 | 0.15% | 0.15% | $25,000** |
| $50,000+ | 0.20% | 0.20% | $50,000** |
*Annual Percentage Yield (APY) offered is accurate as of 5/10/2016. Fees or early withdrawal penalties may reduce the earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening. $2,500 is the minimum required to open a Money Market account.
**Daily Balance. The amount of the principal in the account each day.
Business Money Market Accounts
| Daily Balance | Interest Rate | APY* | Min. Bal. to Obtain APY** |
|---|---|---|---|
| $0.01 – $24,999.99 | 0.10% | 0.10% | $2,500** |
| $25,000 – $49,999.99 | 0.15% | 0.15% | $25,000** |
| $50,000+ | 0.20% | 0.20% | $50,000** |
*Annual Percentage Yield (APY) offered is accurate as of 5/10/2016. Fees or early withdrawal penalties may reduce the earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening. $2,500 is the minimum required to open a Money Market account.
**Daily Balance. The amount of the principal in the account each day.
CDs
| Term | Minimum Balance** | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|
| 30 to 90 Days | $1,000 | 0.10% | 0.10% |
| 3 Months | $1,000 | 0.10% | 0.10% |
| 6 Months | $1,000 | 0.10% | 0.10% |
| 12 Months | $1,000 | 0.20% | 0.20% |
| 12 Months Penalty Free*** | $1,000 | 0.05% | 0.05% |
| 18 Months | $1,000 | 0.20% | 0.20% |
| 24 Months | $1,000 | 0.25% | 0.25% |
| 30 Months | $1,000 | 0.30% | 0.30% |
| 36 Months | $1,000 | 0.40% | 0.40% |
| 60 Months+ | $1,000 | 1.00% | 1.00% |
*All interest rates and product terms are effective 5/10/2016 and are subject to change without notice after account opening. A penalty may be imposed for early withdrawal. Fees or early withdrawal penalties may reduce the earnings on accounts.
**Daily Balance. The amount of the principal in the account each day.
***Withdrawal penalty waived six (6) days after account opening date.
For Jumbo Rate information ($100,000.00+), please contact a Branch Manager.
IRAs
| Term | Minimum Balance** | Interest Rate | Annual Percentage Yield (APY)* |
|---|---|---|---|
| 12 Month Fixed | $100.00 | 0.20% | 0.20% |
| 24 Month Fixed | $100.00 | 0.25% | 0.25% |
| 36 Month Fixed | $100.00 | 0.40% | 0.40% |
| 60 Month Fixed | $100.00 | 1.00% | 1.00% |
| 12 Month Variable** | $100.00 | 0.10% | 0.10% |
| 18 Month Variable** | $100.00 | 0.10% | 0.10% |
*All interest rates and product terms are effective 5/10/2016 and are subject to change without notice after account opening. A penalty may be imposed for early withdrawal. Fees or early withdrawal penalties may reduce the earnings on accounts.
**The interest rate and annual percentage yield may change after account opening.
For Jumbo Rate information ($100,000.00+), please contact a Branch Manager.
