Rates current as of May 19, 2025. 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. All Certificates of Deposit require a penalty for early withdrawal.
| 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% |
| Balance |
Interest Rate |
APY |
| $1,000 and over |
0.02% |
0.02% |
| 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 |
1.34% |
1.35% |
| $200,000 and over |
1.74% |
1.75% |
Premium Money Market
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| 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 |
1.78% |
1.79% |
| $500,000 < $1,000,000 |
2.32% |
2.34% |
| $1,000,000 and over |
2.37% |
2.40% |
| Minimum Opening Deposit |
Interest Rate |
APY |
| $1 |
0.05% |
0.05% |
| Minimum Opening Deposit |
Interest Rate |
APY |
| $1 |
0.05% |
0.05% |
Health Savings Account (HSA)
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| Minimum Opening Deposit |
Interest Rate |
APY |
| $1 < $5,000 |
0.05% |
0.05% |
| $5,000 and over |
0.10% |
0.10% |
Holiday (Christmas) Club
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| Minimum Opening Deposit |
Interest Rate |
APY |
| $1 |
0.05% |
0.05% |
Certificates of Deposit (Under $10,000)
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| Term |
Interest Rate |
APY |
| 1 Month |
0.65% |
0.65% |
| 2 Months |
0.65% |
0.65% |
| 3 - 5 Months |
0.75% |
0.75% |
| 6 - 11 Months |
1.74% |
1.75% |
| 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% |
Penalty for early withdrawal.
Certificates of Deposit (Over $10,000)
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| Term |
Interest Rate |
APY |
| 1 Month |
0.65% |
0.65% |
| 2 Months |
0.65% |
0.65% |
| 3 - 5 Months |
0.75% |
0.75% |
| 6 - 11 Months |
1.74% |
1.75% |
| 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% |
Penalty for early withdrawal.
Individual Retirement Accounts ($100 Minimum Deposit)
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| Term |
Interest Rate |
APY |
| 30 Months (Fixed) |
2.72% |
2.75%
|
30 Month IRA CD allows 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)
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| 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% |
Penalty for early withdrawal.
Individual Retirement Accounts (Over $10,000)
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| 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% |
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
For current mortgage rates, please contact a loan officer.
