Savings Rates
Type |
Dividend Rate |
Annual Percentage Yield |
Savings
Minimum Balance $5 |
0.60% |
0.60% |
Checking
Minimum Balance $0 |
0.00% *1 |
0.00% |
Money Market
Minimum Balance $2500 |
3.75% |
3.82% |
Health Savings Account
Minimum Balance $0 |
3.75% |
3.82% |
Christmas Club
Minimum Balance $0 |
0.60% *2 |
0.60% |
IRA
Minimum Balance $5 |
3.75% |
3.82% |
Rates Effective 10/01/2023
- 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 |
3.75% |
3.75% |
5.00% |
4.50% |
4.25% |
4.15% |
4.00% |
4.00% |
APY* |
3.82% |
3.82% |
5.12% |
4.59% |
4.33% |
4.23% |
4.07% |
4.07% |
Business Certificate
Minimum Balance $500 |
Div. Rate |
3.75% |
3.75% |
5.00% |
4.50% |
4.25% |
4.15% |
4.00% |
4.00% |
APY* |
3.82% |
3.82% |
5.12% |
4.59% |
4.33% |
4.23% |
4.07% |
4.07% |
IRA Certificate
Minimum Balance $500 |
Div. Rate |
3.75% |
3.75% |
5.00% |
4.50% |
4.25% |
4.15% |
4.00% |
4.00% |
APY* |
3.82% |
3.82% |
5.12% |
4.59% |
4.33% |
4.23% |
4.07% |
4.07% |
Premium Certificate
Minimum Balance $100,000 |
Div. Rate |
3.85% |
3.85% |
5.10% |
4.60% |
4.35% |
4.25% |
4.10% |
4.10% |
APY* |
3.92% |
3.92% |
5.22% |
4.69% |
4.43% |
4.33% |
4.18% |
4.18% |
Premium IRA Certificate
Minimum Balance $100,000 |
Div. Rate |
3.85% |
3.85% |
5.10% |
4.60% |
4.35% |
4.25% |
4.10% |
4.10% |
APY* |
3.92% |
3.92% |
5.22% |
4.69% |
4.43% |
4.33% |
4.18% |
4.18% |
HSA Certificate
Minimum Balance $500 |
Div. Rate |
3.75% |
3.75% |
5.00% |
4.50% |
4.25% |
4.15% |
4.10% |
4.10% |
APY* |
3.82% |
3.82% |
5.12% |
4.59% |
4.33% |
4.23% |
4.18% |
4.18% |
Rates Effective 03/06/2024* 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.