Fixed Rate Certificates of Deposit*
| Terms | Min. to open & min. to daily balance to earn APY | Interest Rate | APY | Compounding Frequency |
|---|---|---|---|---|
| 3 Months | $1,000 | 2.50% | 2.53% | Monthly |
| 6 Months |
$1,000 |
3.25% | 3.30% | Monthly |
| 9 Months | $1,000 | 3.45% | 3.51% | Monthly |
| 12 Months | $500 |
3.30% | 3.35% | Monthly |
| 18 Months | $500 |
3.30% | 3.35% | Monthly |
| 24 Months | $500 |
3.20% | 3.25% | Monthly |
| 36 Months | $500 |
3.00% | 3.04% | Monthly |
| 48 Months | $500 |
3.00% | 3.04% | Monthly |
| 60 Months | $500 | 3.00% | 3.04% | Monthly |
Individual Retirement Accounts (IRAs) are available in all fixed-rate terms listed above. COD's may be subject to an early withdrawal penalty. There is no minimum deposit amount required on Money Market IRAs.
*COD's may be subject to an early withdrawal penalty. All interest rates are stated as Annual Percentage Yield (APY). APY rate assumes interest will remain in account until maturity or funds are withdrawn. Withdrawals and fees will reduce earnings. Disclosed rates for consumer and business accounts as applicable.
Savings & Checking Accounts
| Account | Min. to open & min. to daily balance to earn APY | Interest Rate | APY | Compounding Frequency |
|---|---|---|---|---|
| Regular & Youth Savings |
$25 |
.25% |
.25% |
Quarterly |
| Christmas Club |
$25 |
.50% |
.50% | At maturity |
| Money Market Investment |
$2,500 minimum to open |
- | - | - |
| - | <$4,999.99 |
.25% |
.25% |
Monthly |
| - | $5,000.00 - $9,999.99 |
.25% |
.25% |
Monthly |
| - | $10,000.00 - $24,999.99 |
.50% |
.50% |
Monthly |
| - | $25,000.00 - $49,999.99 |
.75% |
.75% |
Monthly |
| - | $50,000.00 -$99,999.99 | 1.25% | 1.26% | Monthly |
| - | $100,000.00 > | 1.50% | 1.51% | Monthly |
| Interest-Bearing Checking Accounts** | $100 | .10% | .10% | Monthly |
**Interest-bearing checking accounts include the Advantage Checking, Horizon Checking, Executive Checking, and Business Interest-Bearing Checking. All interest rates are stated as APY. Withdrawals and fees may reduce earnings on your account. Interest rate may change after the account is opened.