Interest Rates

AUTO LOANS

For current auto loan rates, check out our Auto Loan Rates page.

DEPOSIT ACCOUNTS

Effective: May 10, 2023

Certificates of Deposit* Learn More

ADD IT UP CD	$100 Minimum		$1,000 Minimum		$15,000 Minimum		$30,000 Minimum
Term	Interest Rate	APY**	Interest Rate	APY**	Interest Rate	APY**	Interest Rate	APY**
24 Months	1.10%	1.10%	1.35%	1.36%	1.40%	1.41%	1.45%	1.46%

	$1,000 Minimum		$15,000 Minimum		$30,000 Minimum
Term	Interest Rate	APY**	Interest Rate	APY**	Interest Rate	APY**
6 Months	1.10%	1.10%	1.15%	1.15%	1.20%	1.21%
1 Year	1.20%	1.21%	1.25%	1.26%	1.30%	1.31%
1^1/2 Years	1.30%	1.31%	1.35%	1.36%	1.40%	1.41%
2 Years	1.35%	1.36%	1.40%	1.41%	1.45%	1.46%
3 Years	1.40%	1.41%	1.45%	1.46%	1.50%	1.51%
4 Years	1.45%	1.46%	1.50%	1.51%	1.55%	1.56%
5 Years	1.50%	1.51%	1.55%	1.56%	1.60%	1.61%

CD Specials Learn More

Term	Minimum Deposit	Interest Rate	APY**
3 Month CD	$50,000	3.50%	3.54%
3 Month CD	$100,000	3.75%	3.80%
3 Month CD	$250,000	4.00%	4.06%
7 Month CD	$10,000	4.15%	4.22%
7 Month CD	$25,000	4.25%	4.32%
17 Month CD	$10,000	3.25%	3.29%
17 Month CD	$25,000	3.75%	3.80%

Individual Retirement Account (IRA) Savings Learn More

Minimum Deposit	Interest Rate	APY**
$0.01-$24,999	1.75%	1.76%
$25,000-$99,999	1.85%	1.86%
$100,000 +	2.00%	2.02%

**Each IRA depositor is insured to $250,000 by the Federal Deposit Insurance Corporation

Savings Accounts

Name	Minimum	Interest Rate	APY**
Savings (Standard Savings, Kids First Savings, and Celebration Savings)	$0.01+	0.15%	0.15%
Money Market Savings (Commercial & Consumer Accounts)	$0.01-$24,999	0.55%	0.55%
	$25,000-$99,999	0.70%	0.70%
	$100,000-249,999	0.85%	0.85%
	$250,000 +	0.95%	0.95%

Checking Accounts

Name	Minimum	Interest Rate	APY**
Premier Checking	$0.01-24,999	0.10%	0.10%
	$25,000-$99,999	0.12%	0.12%
	$100,000 +	0.15%	0.15%
Interest Rewards Special Rate*** (Met Qualifications)	$0.01-$15,000	3.00%	3.04%
Interest Rewards Market Rate*** (Met Qualifications)	$15,000 +	0.05%	0.05%
Interest Rewards Base Rate (Did not meet Qualifications)	$0.01 +	0.02%	0.02%
Health Savings Account (HSA) Checking	$0.01-$4,999	0.10%	0.10%
	$5,000	0.15%	0.15%
Commercial Checking with Interest	$0.01 +	0.05%	0.05%

* Substantial penalty for early withdrawal of Certificates of Deposit.

**Annual Percentage Yields (APY) and rates may change after an account is opened

*** Rate disclosed for Interest Rewards is applied if account qualifications are met, including using your debit card 25 times per statement cycle to make purchases, and account is set up with one monthly direct deposit or automatic withdrawal.

Fees could reduce the earnings on interest bearing accounts.

Each Depositor insured to at least $250,000 by the Federal Deposit Insurance Corporation.

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