Current Rates

Compare our current rates on checking accounts, savings options, CDs, IRAs, money market accounts, and home mortgage loans and discover the right account for your financial goals.

Rates current as of .

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 after the account is opened.

Home Mortgage Loans

Home Mortgage Loans
For current mortgage rates, please contact a loan officer
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CDARS & ICS Money Market

CDARS and ICS Money Market ($200,000 or more)
For rates and terms please call (989) 772-9471
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IRAs (Over $10K)

The 30 Month IRA CD is not eligible for rollover funds. Penalty for early withdrawal.
Term Interest Rate APY
12 Months (Fixed) 2.97% 3.00%
18 Months (Fixed) 2.97% 3.00%
24 Months (Fixed) 2.97% 3.00%
30 Months (Fixed) 2.96% 2.99%
36 Months (Fixed) 2.08% 2.10%
48 Months (Fixed) 2.08% 2.10%
60 Months (Fixed) 2.08% 2.10%
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IRAs (Under $10K)

Penalty for early withdrawal.
Term Interest Rate APY
12 Months (Fixed) 2.72% 2.75%
18 Months (Fixed) 2.72% 2.75%
24 Months (Fixed) 2.72% 2.75%
36 Months (Fixed) 1.99% 2.00%
48 Months (Fixed) 1.99% 2.00%
60 Months (Fixed) 1.99% 2.00%
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IRAs ($100 Min Deposit)

30 Month IRA CD allows contributions at any time. The 30 Month IRA CD is not eligible for rollover funds. Penalty for early withdrawal.
Term Interest Rate APY
30 Months (Fixed) 2.72% 2.75%
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CDs (Over $10K)

Penalty for early withdrawal.
Term Interest Rate APY
1 Month 2.96% 3.00%
2 Months 2.96% 3.00%
3-5 Months 2.96% 3.00%
6-11 Months 2.96% 3.00%
1 Year 2.96% 3.00%
2 Years 2.96% 3.00%
3 Years 2.08% 2.10%
4 Years 2.08% 2.10%
5 Years 2.08% 2.10%
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CDs (Under $10K)

Penalty for early withdrawal.
Term Interest Rate APY
1 Month 2.72% 2.75%
2 Months 2.72% 2.75%
3-5 Months 2.72% 2.75%
6-11 Months 2.72% 2.75%
1 Year 2.72% 2.75%
2 Years 2.72% 2.75%
3 Years 1.98% 2.00%
4 Years 1.98% 2.00%
5 Years 1.98% 2.00%
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Holiday (Christmas) Club

Minimum Opening Deposit Interest Rate APY
$1 0.05% 0.05%
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Health Savings Account (HSA)

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

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

Minimum Opening Deposit Interest Rate APY
$1 0.05% 0.05%
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Premium Money Market

Balance Interest Rate APY
$1,000 < $25,000 0.00% 0.00%
$25,000 < $50,000 0.75% 0.75%
$50,000 < $100,000 0.90% 0.90%
$100,000 < $200,000 1.34% 1.35%
$200,000 < $500,000 1.73% 1.74%
$500,000 < $1,000,000 2.22% 2.24%
$1,000,000 and over 2.27% 2.29%
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Money Market

Balance Interest Rate APY
$1,000 < $2,500 0.10% 0.10%
$2,500 < $10,000 0.25% 0.25%
$10,000 < $25,000 0.45% 0.45%
$25,000 < $50,000 0.60% 0.60%
$50,000 < $100,000 0.90% 0.90%
$100,000 < $200,000 1.29% 1.30%
$200,000 and over 1.64% 1.65%
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Senior (Tailored) Checking

Balance Interest Rate APY
$1,000 and over 0.02% 0.02%
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Elite Checking

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%
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