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Savings Rates

Type Dividend Rate Annual Percentage Yield
Savings
Minimum Balance $5		 0.30% 0.30%
Checking
Minimum Balance $0		 0.00% *1 0.00%
Money Market
Minimum Balance $2500		 2.86% 2.90%
Health Savings Account
Minimum Balance $0		 2.86% 2.90%
Christmas Club
Minimum Balance $0		 0.30% *2 0.30%
IRA
Minimum Balance $5		 2.86% 2.90%
Rates Effective 10/01/2025
  • 1 $25 minimum deposit required to open a Checking account. When dividends are available, Average Daily Balances below $500 do not earn any dividends.
  • 2 Automatically transferred to Savings on Sept 30th
Type &
Minimum Balance		 Period (Months)
3 6 12 18 24 36 48 60
Certificate Div. Rate 2.90% 3.50% 3.55% 3.60% 3.60% 3.45% 3.45% 3.50%
Minimum Balance $500 APY* 2.94% 3.56% 3.61% 3.66% 3.66% 3.51% 3.51% 3.56%
Business Certificate Div. Rate 2.90% 3.50% 3.55% 3.60% 3.60% 3.45% 3.45% 3.50%
Minimum Balance $500 APY* 2.94% 3.56% 3.61% 3.66% 3.66% 3.51% 3.51% 3.56%
IRA Certificate Div. Rate 2.90% 3.50% 3.55% 3.60% 3.60% 3.45% 3.45% 3.50%
Minimum Balance $500 APY* 2.94% 3.56% 3.61% 3.66% 3.66% 3.51% 3.51% 3.56%
HSA Certificate Div. Rate 2.90% 3.50% 3.55% 3.60% 3.60% 3.45% 3.45% 3.50%
Minimum Balance $500 APY* 2.94% 3.56% 3.61% 3.66% 3.66% 3.51% 3.51% 3.56%
Premium Certificate Div. Rate 3.00% 3.60% 3.65% 3.70% 3.70% 3.55% 3.55% 3.60%
Minimum Balance $100,000 APY* 3.04% 3.66% 3.71% 3.76% 3.76% 3.61% 3.61% 3.66%
Premium IRA Certificate Div. Rate 3.00% 3.60% 3.65% 3.70% 3.70% 3.55% 3.55% 3.60%
Minimum Balance $100,000 APY* 3.04% 3.66%

3.71%

 3.76% 3.76% 3.61% 3.61% 3.66%
Rates Effective 9/24/2025* All savings rates quoted as annual percentage yields.
  • ** If the term of a certificate is 18 months or less, the forfeiture is an amount equal to one month of dividends, whether earned or not. If the term of a certificate is more than 18 months, the forfeiture is an amount equal to six months of dividends, whether earned or not.
  • *** Rates subject to change without a notice.
  • **** Fees could reduce the earnings on an account.