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Deposit Rates

Personal and Business Account Rates

As of December 5, 2025

Certificates of Deposit
Term Minimum Deposit Interest Rate Annual Percentage Rate (APY)
Under $100,000.00		 Interest Rate Annual Percentage Rate (APY)
Over $100,000.00

Less than 6 months

$1,000

1.00%

1.00%

1.03%

1.03%

6 Month Term

$1,000

3.59%

3.65%

3.59%

3.65%

12 Month Term

$1,000

3.45%

3.51%

3.45%

3.51%

18 Month Term

$1,000

2.75%

2.78%

2.75%

2.78%

24 Month Term

$1,000

2.75%

2.78%

2.75%

2.78%

30 Month Term

$1,000

2.50%

2.53%

2.50%

2.53%

36 Month Term

$1,000

2.50%

2.53%

2.50%

2.53%

48 Month Term

$1,000

2.75%

2.78%

2.75%

2.78%

60 Month Term

$1,000

2.75%

2.78%

2.75%

2.78%
Savings
Account Balance Minimum Deposit to Open Interest Rate Annual Percentage Rate (APY)

$0.01 to $9,999

$50

0.25%

0.25%

$10,000 to $24,999

$50

0.25%

0.25%

$25,000 to $99,999

$50

0.50%

0.50%

Over $100,000

$50

1.00%

1.00%
Christmas Club
Minimum Deposit to Open Interest Rate Annual Percentage Rate (APY)

$1

0.25%

0.25%
Minor Savings
Minimum Deposit to Open Interest Rate Annual Percentage Rate (APY)

$50

0.25%

0.25%
Health Savings Accounts
Account Balance Minimum Deposit to Open Interest Rate Annual Percentage Rate (APY)

$0 to $999

$1

0.10%

0.10%

$1,000 to $4,999

$1

0.15%

0.15%

$5,000 to $9,999

$1

0.40%

0.40%

Over $10,000

$1

0.50%

0.50%
Checking Accounts
$50 minimum opening deposit required on all checking accounts
Product Name Interest Rate Annual Percentage Rate (APY)

Performance Interest Checking

0.05% - $0.00 to $999.99
0.10% - $1,000.00 and above

0.05% - $0.00 to $999.99
0.10% - $1,000.00 and above

55+ Prestige Interest Checking

0.05%

0.05%

Direct Easy Interest Checking

0.05%

0.05%

Business Interest Checking

0.05%

0.05%

Not for Profit Interest Checking

0.05%

0.05%
Money Market Account - Personal and Business
Account Balance Minimum Deposit to Open Interest Rate Annual Percentage Rate (APY)

$0.01 to $9,999

$50

0.10% - Personal
0.10% - Business

0.10% - Personal
0.10% - Business

$10,000 to $24,999

$50

0.25% - Personal
0.25% - Business

0.25% - Personal
0.25% - Business

$25,000 to $99,999

$50

0.55% - Personal
0.55% - Business

0.55% - Personal
0.55% - Business

Over $100,000

$50

1.25% - Personal
1.15% - Business

1.26% - Personal
1.16% - Business
Individual Retirement Account
Term Minimum Deposit Interest Rate
Under $100,000.00		 Annual Percentage Rate (APY)
Under $100,000.00		 Interest Rate
Over $100,000.00		 Annual Percentage Rate (APY)
Over $100,000.00

18 Month Certificate

$500

2.75%

2.77%

2.75%

2.77%

36 Month Certificate

$500

2.50%

2.52%

2.50%

2.52%

Prime Time IRA

$100

0.50%

0.50%

0.50%

0.50%

Rates are subject to change and may change after the account is open. Fees could reduce earnings. A penalty may be imposed for early withdrawal of CDs.