Certificates of Deposit
| Term |
Min. to Open |
Interest Rate |
APY** |
| 91 days |
$1,000 |
0.05% |
0.05%
|
| 182 days |
$1,000
|
0.10%
|
0.10%
|
| 12 months |
$1,000
|
0.15%
|
0.15%
|
| 18 months |
$1,000
|
0.15%
|
0.15%
|
| 24 months |
$1,000
|
0.20%
|
0.20%
|
| 30 months |
$1,000
|
0.20%
|
0.20%
|
| 36 months |
$1,000
|
0.25%
|
0.25%
|
| 48 months |
$1,000
|
0.25%
|
0.25%
|
| 60 months |
$1,000
|
0.30%
|
0.30%
|
Effective September 23, 2021
Penalty for early withdrawal
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
Money Market
| Term |
Interest Rate |
APY** |
| $250,000 and above |
0.75% |
0.75% |
| $100,000.00 - $249,999.99 |
0.50% |
0.50% |
| $50,000.00 - $99,999.99 |
0.40% |
0.40% |
| $25,000.00 - $49,999.99 |
0.25% |
0.25% |
| $5,000.00 - $24,999.99 |
0.05% |
0.05% |
| $0 - $4,999.99 |
0% |
0% |
Effective November 14, 2022
*Rates may change after account opening.
**APY – Annual Percentage Yield.
***Tier ranges are based on your daily available balance.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
Checking*
| Type |
Interest Rate |
APY** |
| Choice Checking |
0.01% |
0.01%
|
Effective September 23, 2021
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
$50 minimum opening deposit
Savings*
| Type |
Interest Rate |
APY** |
| Regular |
0.05% |
0.05%
|
| Holiday Club |
0.05%
|
0.05%
|
Effective October 6, 2020
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Minimum daily balance requirement to avoid $6 per quarter fee is $300.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
Individual Retirement Accounts
| Term |
Min. to Open |
Interest Rate |
APY** |
| 18 Month Variable |
$1,000 |
0.15% |
0.15% |
| 91 days |
$1,000 |
0.10%
|
0.10%
|
| 182 days |
$1,000
|
0.15%
|
0.15%
|
| 12 months |
$1,000
|
0.20%
|
0.20%
|
| 18 months |
$1,000
|
0.20%
|
0.20%
|
| 24 months |
$1,000
|
0.25%
|
0.25%
|
| 30 months |
$1,000
|
0.25%
|
0.25%
|
| 36 months |
$1,000
|
0.30%
|
0.30%
|
| 48 months |
$1,000
|
0.30%
|
0.30%
|
| 60 months |
$1,000
|
0.35%
|
0.35%
|
Effective September 23, 2021
Penalty for early withdrawal.
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
