APY = Annual Percentage Yield. Rates effective as of November 1, 2017. Fees may reduce earnings.

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
$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 0.12% 0.12%
$100,000 < $200,000 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
24M Variable (Under $10,000) 1.100% 1.11%
24M Variable (Over $10,000) 1.600% 1.61%
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.