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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 Learn More

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

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 0.12% 0.12%

Money Market Learn More

Balance Interest Rate APY
$1,000 < $2,500 0.20% 0.20%
$2,500 < $10,000 0.25% 0.25%
$10,000 < $25,000 0.25% 0.25%
$25,000 < $50,000 0.35% 0.35%
$50,000 < $100,000 0.40% 0.40%
$100,000 < $200,000 0.55% 0.55%
$200,000 and over 0.55% 0.55%

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 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 Deposits (Under $10,000) Learn More

Term Interest Rate APY
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 0.995% 1.00%
3 Years 1.193% 1.20%
4 Years 1.243% 1.25%
5 Years 1.736% 1.75%

Penalty for early withdrawal.

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

Term Interest Rate APY
1 Month 0.200% 0.20%
2 Months 0.250% 0.25%
3 - 5 Months 0.250% 0.25%
6 - 11 Months 0.747% 0.75%
1 Year 0.995% 1.00%
2 Years 1.736% 1.75%
3 Years 1.835% 1.85%
4 Years 1.933% 1.95%
5 Years 1.982% 2.00%

 

Penalty for early withdrawal.

Individual Retirement Accounts ($100 Minimum Deposit) Learn More

Term Interest Rate APY
12 Months (Fixed) 0.449% 0.45%
18 Months (Fixed) 0.449% 0.45%
24 Months (Fixed) 0.847% 0.85%
36 Months (Fixed) 1.195% 1.20%
48 Months (Fixed) 1.244% 1.25%
60 Months (Fixed) 1.739% 1.75%

*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) Learn More

Term Interest Rate APY
12 Months (Fixed) 0.449% 0.45%
18 Months (Fixed) 0.449% 0.45%
24 Months (Fixed) 0.847% 0.85%
36 Months (Fixed) 1.195% 1.20%
48 Months (Fixed) 1.244% 1.25%
60 Months (Fixed) 1.739% 1.75%

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

Term Interest Rate APY
12 Months (Fixed) 0.996% 1.00%
18 Months (Fixed) 0.996% 1.00%
24 Months (Fixed) 1.640% 1.65%
30 Months (Fixed)* 1.640% 1.65%
36 Months (Fixed) 1.739% 1.75%
48 Months (Fixed) 1.936% 1.95%
60 Months (Fixed) 1.986% 2.00%

 

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

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

For rates and terms please call 989.772.9471

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

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