APY = Annual Percentage Yield. 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.

Senior Checking See Details

Minimum Opening DepositInterest RateAPY
$1 0.05% 0.05%

Elite Checking See Details

BalanceInterest RateAPY
$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 0.12% 0.12%

Money Market See Details

BalanceInterest RateAPY
$1,000 < $2,499.99 0.01% 0.01%
$2,500 < $9,999.99 0.05% 0.05%
$10,000 < $24,999.99 0.05% 0.05%
$25,000 < $49,999.99 0.10% 0.10%
$50,000 < $99,999.99 0.12% 0.12%
$100,000 < $199,999.99 0.15% 0.15%
$200,000 and over 0.20% 0.20%

Local Savings See Details

Minimum Opening DepositInterest RateAPY
$1 0.05% 0.05%

Kid's Club Savings See Details

Minimum Opening DepositInterest RateAPY
$1 0.05% 0.05%

Health Savings Account See Details

Minimum Opening DepositInterest RateAPY
$1 < $5,000 0.05% 0.05%
$5,000 and over 0.10% 0.10%

Certificates of Deposits (Current Specials) See Details

TermInterest RateAPY
15 Month Bump* (Under $10,000) 1.540% 1.55%
15 Month Bump* (Over $10,000) 1.790% 1.80%
72 Month Bump** (Under $10,000) 2.080% 2.10%
72 Month Bump** (Over $10,000) 2.080% 2.10%

Penalty for early withdrawal.

*Allows for 1 rate bump per term.

**Allows for 2 rate bumps per term.

Certificates of Deposits (Under $10,000) See Details

TermInterest RateAPY
1 Month 0.150% 0.15%
2 Months 0.150% 0.15%
3 - 5 Months 0.200% 0.20%
6 - 11 Months 0.349% 0.35%
1 Year 0.449% 0.45%
2 Years 0.697% 0.70%
3 Years 0.945% 0.95%
4 Years 1.143% 1.15%
5 Years 1.539% 1.55%

Penalty for early withdrawal.

Certificates of Deposits (Over $10,000) See Details

TermInterest RateAPY
1 Month 0.200% 0.20%
2 Months 0.250% 0.25%
3 - 5 Months 0.250% 0.25%
6 - 11 Months 0.498% 0.50%
1 Year 0.697% 0.70%
2 Years 0.945% 0.95%
3 Years 1.193% 1.20%
4 Years 1.391% 1.40%
5 Years 1.785% 1.80%

Penalty for early withdrawal.

Individual Retirement Accounts ($100 Minimum Deposit) See Details

TermInterest RateAPY
18 Month (Variable)* 0.598% 0.60%
30 Month (Fixed)* 0.499% 0.50%

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

Individual Retirement Accounts (Under $10,000) See Details

TermInterest RateAPY
12 Months (Fixed) 0.449% 0.45%
18 Months (Fixed) 0.449% 0.45%
24 Months (Fixed) 0.697% 0.70%
36 Months (Fixed) 0.945% 0.95%
48 Months (Fixed) 1.143% 1.15%
60 Months (Fixed) 1.539% 1.55%

Individual Retirement Accounts (Over $10,000) See Details

TermInterest RateAPY
12 Months (Fixed) 0.697% 0.70%
18 Months (Fixed) 0.697% 0.70%
24 Months (Fixed) 0.945% 0.95%
30 Months (Fixed)* 0.748% 0.75%
36 Months (Fixed) 1.096% 1.10%
48 Months (Fixed) 1.295% 1.30%
60 Months (Fixed) 1.785% 1.80%

*The 30 Month IRA CD is not eligible for rollover funds.

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

For rates and terms please call 989.772.9471

Deposits insured by the FDIC. All Certificates of Deposit require a penalty for early withdrawal.