Current Rates

EFFECTIVE as of July 18, 2023
Rates Subject to Change Without Notice.

 

INTEREST RATE & ANNUAL PERCENTAGE YIELD (APY) TABLE

 

Checking

 Interest RateMonthly APY
Interest N.O.W. TIER 10.02%0.02%
Interest N.O.W TIER 2 (min. bal. $2,000)0.03%0.03%
Money Market Deposit Account < $100,0000.03%0.03%
Money Market Deposit Account ≥ $100,0000.05%0.05%

Savings

 Interest RateMonthly APYQuarterly APY
Passbook Savings Account0.01%***0.02%
Statement Savings Account0.01%0.01%***
Christmas Club Account0.01%APY******
Health Savings Account0.10%0.10%***

Certificates of Deposit

ACCOUNT TERMInterest RateMonthly APYQuarterly APY
7- 31 Day Certificate ($2,500 min. deposit)0.10%0.10%***
32 Day Certificate0.10%0.10%***
3 - 5 Month Certificate0.10%0.10%0.10%
6 - 11 Month Certificate0.15%0.15%0.15%
12 - 17 Month Certificate0.20%0.20%0.20%
18 - 23 Month Certificate0.20%0.20%0.20%
24 - 29 Month Certificate0.25%0.25%0.25%
30 - 35 Month Certificate0.25%0.25%0.25%
36 - 47 Month Certificate0.45%0.45%0.45%
48 - 59 Month Certificate0.65%0.65%0.65%
60 Month Certificate0.70%0.70%0.70%

CD Specials

4.01% APY – 10 Months

Interest rate of 3.95%. $1,000.00 minimum deposit required. Penalty for early withdrawal. Rates effective July 18, 2023. Subject to change at discretion of the bank. Annual Percentage Yield (APY) is based on $10,000.00 and assumes interest compounded monthly will remain on deposit until maturity.

4.51% APY – 14 Months

Interest rate of 4.44%. $1,000.00 minimum deposit required. Penalty for early withdrawal. Rates effective July 18, 2023. Subject to change at discretion of the bank. Annual Percentage Yield (APY) is based on $10,000.00 and assumes interest compounded monthly will remain on deposit until maturity.

Individual Retirement Account

 Interest RateQuarterly APY
IRA Variable Certificate Rate0.70%0.70%
Variable Guaranteed Minimum Rate 2023 Calendar Year0.50%0.50%
IRA Self-Directed Rate0.50%0.50%

 

 

 

The annual percentage yield is based on $10,000.00 and assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. (IF TERM IS DIFFERENT THAN ABOVE, NEED TO CALCULATE APY BASED ON TERM) Interest rates may change without notice. Maintenance or activity fees may reduce earnings on checking or savings. Verify our current rates by calling any of our offices during normal business hours.

A SUBSTANTIAL INTEREST PENALTY WILL BE ASSESSED FOR EARLY WITHDRAWAL.

ALL DEPOSITS ARE INSURED TO $250,000 BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC).

 

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