Savings Rates

Type Dividend Rate Annual Percentage Yield
Savings
Minimum Balance $5
0.10% 0.10%
Checking
Minimum Balance $0
0.00% *1 0.00%
Money Market
Minimum Balance $2500
1.00% 1.00%
Health Savings Account
Minimum Balance $0
1.00% 1.00%
Christmas Club
Minimum Balance $0
0.10% *2 0.10%
IRA
Minimum Balance $5
1.00% 1.00%
Rates Effective 08/01/2022
  • 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
Minimum Balance $500
Div. Rate 1.05% 1.40% 1.60% 1.70% 1.91% 2.00% 2.15% 2.40%
APY* 1.06% 1.41% 1.61% 1.71% 1.93% 2.02% 2.17% 2.43%
Business Certificate
Minimum Balance $500
Div. Rate 1.05% 1.40% 1.60% 1.70% 1.91% 2.00% 2.15% 2.40%
APY* 1.06% 1.41% 1.61% 1.71% 1.93% 2.02% 2.17% 2.43%
IRA Certificate
Minimum Balance $500
Div. Rate 1.05% 1.40% 1.60% 1.70% 1.91% 2.00% 2.15% 2.40%
APY* 1.06% 1.41% 1.61% 1.71% 1.93% 2.02% 2.17% 2.43%
Premium Certificate
Minimum Balance $100,000
Div. Rate 1.15% 1.50% 1.70% 1.80% 2.01% 2.10% 2.25% 2.50%
APY* 1.16% 1.51% 1.71% 1.81% 2.03% 2.12% 2.27% 2.53%
Premium IRA Certificate
Minimum Balance $100,000
Div. Rate 1.15% 1.50% 1.70% 1.80% 2.01% 2.10% 2.25% 2.50%
APY* 1.16% 1.51% 1.71% 1.81% 2.03% 2.12% 2.27% 2.53%
HSA Certificate
Minimum Balance $500
Div. Rate 1.05% 1.40% 1.60% 1.70% 1.91% 2.00% 2.15% 2.40%
APY* 1.06% 1.41% 1.61% 1.71% 1.93% 2.02% 2.17% 2.43%
Rates Effective09/07/2022* 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.