Savings Rates

Type Dividend Rate Annual Percentage Yield
Savings
Minimum Balance $5
0.40% 0.40%
Checking
Minimum Balance $0
0.00% *1 0.00%
Money Market
Minimum Balance $2500
2.50% 2.53%
Health Savings Account
Minimum Balance $0
2.50% 2.53%
Christmas Club
Minimum Balance $0
0.40% *2 0.40%
IRA
Minimum Balance $5
2.50% 2.53%
Rates Effective 01/01/2023
  • 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 2.55% 2.60% 3.00% 3.30% 3.50% 4.00% 4.00% 4.00%
APY* 2.58% 2.63% 3.04% 3.35% 3.56% 4.07% 4.07% 4.07%
Business Certificate
Minimum Balance $500
Div. Rate 2.55% 2.60% 3.00% 3.30% 3.50% 4.00% 4.00% 4.00%
APY* 2.58% 2.63% 3.04% 3.35% 3.56% 4.07% 4.07% 4.07%
IRA Certificate
Minimum Balance $500
Div. Rate 2.55% 2.60% 3.00% 3.30% 3.50% 4.00% 4.00% 4.00%
APY* 2.58% 2.63% 3.04% 3.35% 3.56% 4.07% 4.07% 4.07%
Premium Certificate
Minimum Balance $100,000
Div. Rate 2.65% 2.70% 3.10% 3.40% 3.60% 4.10% 4.10% 4.10%
APY* 2.68% 2.73% 3.14% 3.45% 3.66% 4.17% 4.17% 4.17%
Premium IRA Certificate
Minimum Balance $100,000
Div. Rate 2.65% 2.70% 3.10% 3.40% 3.60% 4.10% 4.10% 4.10%
APY* 2.68% 2.73% 3.14% 3.45% 3.66% 4.17% 4.17% 4.17%
HSA Certificate
Minimum Balance $500
Div. Rate 2.55% 2.60% 3.00% 3.30% 3.50% 4.00% 4.00% 4.00%
APY* 2.58% 2.63% 3.04% 3.35% 3.56% 4.07% 4.07% 4.07%
Rates Effective 1/11/2023* 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.