Rates

Annual Percentage Yield = APY. Fees may reduce earnings. Checking and Savings account interest rates are variable, set at the discretion of the bank, and may change at any time. All Certificates of Deposit require a penalty for early withdrawal.

Elite Checking Learn More

Balance Interest Rate APY
$1,000 < $10,000 0.05% 0.05%
$10,000 < $25,000 0.05% 0.05%
$25,000 < $50,000 0.06% 0.06%
$50,000 < $100,000 0.08% 0.08%
$100,000 < $200,000 0.10% 0.10%
$200,000 and over 0.10% 0.10%

Senior Checking Learn More

Minimum Opening Deposit Interest Rate APY
$1 0.02% 0.02%

Money Market Learn More

Balance Interest Rate APY
$1,000 < $2,500 0.05% 0.05%
$2,500 < $10,000 0.05% 0.05%
$10,000 < $25,000 0.05% 0.05%
$25,000 < $50,000 0.10% 0.10%
$50,000 < $100,000 0.10% 0.10%
$100,000 < $200,000 0.10% 0.10%
$200,000 and over 0.10% 0.10%

Premium Money Market Learn More

Balance Interest Rate APY
$1,000 < $25,000 0.00% 0.00%
$25,000 < $50,000 0.10% 0.10%
$50,000 < $100,000 0.12% 0.12%
$100,000 < $200,000 0.12% 0.12%
$200,000 < $500,000 0.12% 0.12%
$500,000 < $1,000,000 0.15% 0.15%
$1,000,000 and over 0.15% 0.15%

Local Savings Learn More

Minimum Opening Deposit Interest Rate APY
$1 0.05% 0.05%

Kid's Club Savings Learn More

Minimum Opening Deposit Interest Rate APY
$1 0.05% 0.05%

Health Savings Account (HSA) Learn More

Minimum Opening Deposit Interest Rate APY
$1 < $5,000 0.05% 0.05%
$5,000 and over 0.10% 0.10%

Certificates of Deposit (Under $10,000) Learn More

Term Interest Rate APY
1 Month 0.05% 0.05%
2 Months 0.05% 0.05%
3 - 5 Months 0.05% 0.05%
6 - 11 Months 0.10% 0.10%
1 Year 0.10% 0.10%
2 Years 0.20% 0.20%
3 Years 0.25% 0.25%
4 Years 0.30% 0.30%
5 Years 0.35% 0.35%

Penalty for early withdrawal.

Certificates of Deposit (Over $10,000) Learn More

Term Interest Rate APY
1 Month 0.10% 0.10%
2 Months 0.10% 0.10%
3 - 5 Months 0.10% 0.10%
6 - 11 Months 0.15% 0.15%
1 Year 0.20% 0.20%
2 Years 0.25% 0.25%
3 Years 0.30% 0.30%
4 Years 0.40% 0.40%
5 Years 0.50% 0.50%

Penalty for early withdrawal.

Individual Retirement Accounts ($100 Minimum Deposit) Learn More

Term Interest Rate APY
18 Months (Variable) 0.20% 0.20%
30 Months (Fixed) 0.25% 0.25%

18 & 30 Month IRA CDs allow contributions at any time. The 30 Month IRA CD is not eligible for rollover funds. Penalty for early withdrawal.

Individual Retirement Accounts (Under $10,000) Learn More

Term Interest Rate APY
12 Months (Fixed) 0.10% 0.10%
18 Months (Fixed) 0.20% 0.20%
24 Months (Fixed) 0.20% 0.20%
36 Months (Fixed) 0.25% 0.25%
48 Months (Fixed) 0.30% 0.30%
60 Months (Fixed) 0.35% 0.35%

Penalty for early withdrawal.

Individual Retirement Accounts (Over $10,000) Learn More

Term Interest Rate APY
12 Months (Fixed) 0.20% 0.20%
18 Months (Fixed) 0.25% 0.25%
24 Months (Fixed) 0.25% 0.25%
30 Months (Fixed) 0.30% 0.30%
36 Months (Fixed) 0.30% 0.30%
48 Months (Fixed) 0.40% 0.40%
60 Months (Fixed) 0.50% 0.50%

The 30 Month IRA CD is not eligible for rollover funds. Penalty for early withdrawal.

CDARS CD and ICS Money Market ($200,000 or more)

For rates and terms please call 989.772.9471

Home Mortgage Loans Learn More

View our current mortgage rates