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Interest Rates


Certificates of Deposits

Effective December 27, 2017

$5,000 Minimum $15,000 $30,000
Term Interest Rate APY Interest Rate APY Interest Rate APY
6 Months .35% .35% .40% .40% .45% .45%
1 Year .50% .50% .55% .55% .60% .60%
11/2 Years .60% .60% .70% .70% .80% .80%
2 Years .80% .80% .90% .90% 1.00% 1.00%
3 Years 1.00% 1.00% 1.10% 1.10% 1.20% 1.21%
4 Years 1.15% 1.15% 1.25% 1.26% 1.40% 1.41%
5 Years 1.40% 1.41% 1.50% 1.51% 1.60% 1.61%

CD Specials

Term Minimum Deposit Interest Rate APY
11 Months $10,000 1.10% 1.10%
11 Months $25,000 1.20% 1.21%
27 Months $10,000 1.55% 1.56%
27 Months $25,000 1.70% 1.71%

IRA Certificate of Deposit**

Term Minimum Deposit Interest Rate APY
1 Year $25 .60% .60%
2 Years $25 1.00% 1.00%
3 Years $25 1.20% 1.21%

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

Checking and Savings

Name Minimum Interest Rate APY
Savings** $0 .10% .10%
Kids First Savings** $0 .10% .10%
Money Market** $0 .15% .15%
$10,000 .20% .20%
$25,000 .25% .25%
$100,000 .35% .35%
$250,000 .40% .40%
Personal Checking w/Int.** $500 .05% .05%
Premier Checking** $2,500 .10% .10%
Health Savings** $0 .10% .10%
$5,000 .15% .15%
First Point Checking $0 .10% .10%
Commercial Checking w/Int.** $0 .10% .10%

The standard FDIC deposit insurance amount is $250,000 per depositor. Visit www.FDIC.gov for more information.
Click here to calculate what's insured and what portion (if any) exceeds coverage limits at the bank.

- **Annual Percentage Yields (APY) and rates may change after an account is opened
- Substantial penalty for early withdrawal of Certificates of Deposit
- Fees could reduce the earnings on interest bearing accounts

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