Rates
Effective October 28, 2025
|
Time Deposits & IRAs
|
|
Type
|
|
Annual Percentage Yield (APY)
|
Interest Rate
|
Compounding
|
|
91 Day CD/IRA
|
|
0.10% |
0.10% |
Simple |
P,T |
182 Day CD/IRA
|
|
3.70% |
3.67% |
Simple |
P,T |
11 Month CD/IRA
|
|
0.30% |
0.30% |
Daily |
P,T |
1 Year CD/IRA
|
|
3.60% |
3.54% |
Daily |
P,T |
24 Month CD/IRA
|
|
3.30% |
3.25% |
Daily |
P,T |
| 60 Month CD/IRA |
|
2.43% |
2.40% |
Daily |
P,T
|
| 18 Month IRA (Variable Rate) |
|
0.65%
|
0.65% |
Daily |
P,T |
|
Minimum Deposit to Open Account unless otherwise stated
|
$1,000
|
|
Now and Savings Accounts
|
|
Type
|
Minimum Balance to Open Account
|
Annual Percentage Yield
|
Interest Rate
|
Compounding
|
|
|
Personal NOW
|
$750
|
0.25%
|
0.25%
|
Daily
|
V,F
|
|
Non-Personal NOW
|
$1,000
|
0.25%
|
0.25%
|
Monthly
|
V,F
|
|
Savings
|
$50
|
0.10%
|
0.10%
|
Daily
|
V,F
|
|
Super NOW Accounts
|
|
Minimum Balance to Obtain the Stated APY
|
Minimum Balance to Open Account
|
Annual Percentage Yield
|
Interest Rate
|
Compounding
|
|
|
Balance of $2,500 or more
|
$2,500
|
0.25%
|
0.25%
|
Monthly
|
V,F
|
|
Balance less than $2,500
|
$2,500
|
0.00%
|
0.00%
|
Monthly
|
V,F
|
|
Money Market Accounts
|
|
Minimum Balance to Obtain the Stated APY
|
Minimum Balance to Open Account
|
Annual Percentage Yield
|
Interest Rate
|
Compounding
|
|
|
Balance of $2,500 or more
|
$2,500
|
0.30%
|
0.30%
|
Monthly
|
V,F
|
|
Balance less than $2,500
|
$2,500
|
0.00%
|
0.00%
|
Monthly
|
V,F
|
|
High Yield Money Market Accounts
|
|
|
Minimum Balance to Obtain the Stated APY
|
Annual Percentage Yield
|
Interest Rate
|
Compounding
|
|
|
Balance of $0 to $24,999.99
|
0.30%
|
0.30%
|
Monthly
|
V,F
|
|
Balance of $25,000 to $99,999.99
|
0.50%
|
0.50%
|
Monthly
|
V,F
|
|
Balance of $100,000 to $249,999.99
|
1.00%
|
1.00%
|
Monthly
|
V,F
|
|
Balance of $250,000 or more
|
1.16%
|
1.15%
|
Monthly
|
V,F
|
|
Minimum Balance to Open Account
|
$25,000
|
|
Platinum Money Market Accounts
|
|
|
Minimum Balance to Obtain the Stated APY
|
Annual Percentage Yield
|
Interest Rate
|
Compounding
|
|
|
Balance of $0 to $249,999.99
|
0.50%
|
0.50%
|
Monthly
|
V,F
|
|
Balance of $250,000 to $499,999.99
|
1.00%
|
1.00%
|
Monthly
|
V,F
|
|
Balance of $500,000 to $749,999.99
|
1.87%
|
1.85%
|
Monthly
|
V,F
|
|
Balance of $750,000 or more
|
2.27%
|
2.25%
|
Monthly
|
V,F
|
|
Minimum Balance to Open Account
|
$500,000
|
|
Codes:
|
|
|
P -
|
Penalty for early withdrawal
|
|
V -
|
Rate may change after account is opened
|
|
F -
|
Fees may reduce earnings
|
|
T -
|
Fixed Rate for the term
|
Loan Rates –
Please Contact Us for loan rates.
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