Current Deposit Rates

Effective Date: July 17, 2018

Certificate of Deposit (CD) Rates*

Certificates of Deposit Rates
Term Minimum Balance Interest Rates Annual Percentage Yield (APY) Interest Computation
6 month $2,500.00 0.60% **0.60% Simple Interest
12 month $1,000.00 1.50% 1.50% Simple Interest
13 month special $1,000.00 2.25% 2.25% Simple Interest
18 month $1,000.00 1.75% 1.75% Simple Interest
24 month $1,000.00 1.85% 1.85% Simple Interest
25 month special $1,000.00 2.60% 2.60% Simple Interest
36 month $1,000.00 2.70% 2.70% Simple Interest
48 month $1,000.00 2.80% 2.80% Simple Interest
60 month $1,000.00 3.00% 3.00% Simple Interest

* There may be a substantial penalty imposed for early withdrawal of time deposits.

** APY based on Interest added on at maturity and renewed at the same rate.

Individual Retirement Account (IRA) Rates*

Individual Retirement Account Rates
Term Minimum Balance Interest Rate Annual Percentage Yield (APY) Interest Computation
Passbook No Minimum 0.10% 0.10% Compound Daily
12 month $1,000.00 1.49% 1.50% Compound Daily
13 month Special $1,000.00 2.23% 2.25% Compound Daily
18 month $1,000.00 1.73% 1.75% Compound Daily
24 month $1,000.00 1.83% 1.85% Compound Daily
25 month Special $1,000.00 2.57% 2.60% Compound Daily
36 month $1,000.00 2.66% 2.70% Compound Daily
48 month $1,000.00 2.76% 2.80% Compound Daily
60 month $1,000.00 2.96% 3.00% Compound Daily

* There may be a substantial penalty imposed for early withdrawal of time deposits.

Money Market Deposit Account (MMDA) Rates

Money Market Deposit Account Rates
Type of MMDA Interest Rate Annual Percentage Yield (APY) Interest Computation
Regular MMDA
$1,000.00 & Over 0.20% 0.20% Simple Interest Paid Monthly
$999.99 & Under 0.02% 0.02% Simple Interest Paid Monthly
Super Saver MMDA
$20,000 & Over 0.75% 0.75% Compound Daily - Paid Monthly
$10,000.00 - $19,999.99 0.50% 0.50% Compound Daily - Paid Monthly
Under $10,000.00 0.02% 0.02% Compound Daily - Paid Monthly

Health Savings Account (HSA) Rates

Health Savings Account Rates
Daily Balance Interest Rate Annual Percentage Yield (APY) Interest Computation
$50,000.00 & Over 0.65% 0.65% Simple Interest Paid Monthly
$25,000.00 - $49,999.99 0.55% 0.55% Simple Interest Paid Monthly
$15,000.00 - $24,999.99 0.25% 0.25% Simple Interest Paid Monthly
$5,000.00 - $14,999.99 0.20% 0.20% Simple Interest Paid Monthly
$1,000.00 - $4,999.99 0.10% 0.10% Simple Interest Paid Monthly
$0 - $999.99 0.00% 0.00% Simple Interest Paid Monthly

Savings Accounts Rates

Savings Account Rates
Accounts Interest Rate Annual Percentage Yield (APY) Interest Computation
Regular Savings 0.07% 0.07% Simple Interest Paid Quarterly
Combo Savings Club (Ages 12 & under) 0.07% 0.07% Simple Interest Paid Quarterly
Cool Cash Savings Club (Ages 13 to 24) 0.11% 0.11% Simple Interest Paid Quarterly
Christmas Club 0.07% 0.07% Simple Interest Paid Quarterly

Checking Accounts Rates

Checking Account Rates
Accounts Interest Rate Annual Percentage Yield (APY) Interest Computation
Regular NOW Account 0.02% 0.02% Simple Interest Paid Monthly
Classic Plus NOW Account 0.02% 0.02% Simple Interest Paid Monthly

There may be substantial penalty imposed for early withdrawal of time deposits.

Interest rates offered are within the most recent 7 calendar days and are subject to change.

Interest rates and Annual Percentage Yield (APY's) are accurate as of July 17, 2018.

For more information, please contact us.