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% 4.25% 4.25% 4.25%
APY* 3.82% 3.82% 5.12% 4.59% 4.33% 4.33% 4.33% 4.33%
Business Certificate
Minimum Balance $500
Div. Rate 3.75% 3.75% 5.00% 4.50% 4.25% 4.25% 4.25% 4.25%
APY* 3.82% 3.82% 5.12% 4.59% 4.33% 4.33% 4.33% 4.33%
IRA Certificate
Minimum Balance $500
Div. Rate 3.75% 3.75% 5.00% 4.50% 4.25% 4.25% 4.25% 4.25%
APY* 3.82% 3.82% 5.12% 4.59% 4.33% 4.33% 4.33% 4.33%
Premium Certificate
Minimum Balance $100,000
Div. Rate 3.85% 3.85% 5.10% 4.60% 4.35% 4.35% 4.35% 4.35%
APY* 3.92% 3.92% 5.22% 4.69% 4.43% 4.43% 4.43% 4.43%
Premium IRA Certificate
Minimum Balance $100,000
Div. Rate 3.85% 3.85% 5.10% 4.60% 4.35% 4.35% 4.35% 4.35%
APY* 3.92% 3.92% 5.22% 4.69% 4.43% 4.43% 4.43% 4.43%
HSA Certificate
Minimum Balance $500
Div. Rate 3.75% 3.75% 5.00% 4.50% 4.25% 4.25% 4.25% 4.25%
APY* 3.82% 3.82% 5.12% 4.59% 4.33% 4.33% 4.33% 4.33%
Rates Effective 8/1/2023* 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.