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
0.25% 0.25%
Health Savings Account
Minimum Balance $0
0.25% 0.25%
Christmas Club
Minimum Balance $0
0.10% *2 0.10%
IRA
Minimum Balance $5
0.25% 0.25%
Rates Effective 10/01/2020
  • 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 0.15% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80%
APY* 0.15% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80%
Business Certificate
Minimum Balance $500
Div. Rate 0.15% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80%
APY* 0.15% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80%
IRA Certificate
Minimum Balance $500
Div. Rate 0.15% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80%
APY* 0.15% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80%
Premium Certificate
Minimum Balance $100,000
Div. Rate 0.25% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90%
APY* 0.25% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90%
Premium IRA Certificate
Minimum Balance $100,000
Div. Rate 0.25% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90%
APY* 0.25% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90%
HSA Certificate
Minimum Balance $500
Div. Rate 0.15% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80%
APY* 0.15% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80%
Rates Effective 04/15/2021* 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.