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Interest Rates


Certificates of Deposits

Effective December 30, 2020

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 .01% .01% .25% .25% .30% .30% .35% .35%
$1,000 Minimum $15,000 Minimum $30,000 Minimum
Term Interest Rate APY Interest Rate APY Interest Rate APY
6 Months .10% .10% .15% .15% .20% .20%
1 Year .15% .15% .20% .20% .25% .25%
11/2 Years .20% .20% .25% .25% .30% .30%
2 Years .25% .25% .30% .30% .35% .35%
3 Years .35% .35% .40% .40% .45% .45%
4 Years .45% .45% .50% .50% .55% .55%
5 Years .55% .55% .60% .60% .65% .65%

CD Specials

Term Minimum Deposit Interest Rate APY
- - - -
- - - -
- - - -
7 Months $10,000 .25% .25%
7 Months $25,000 .30% .30%
17 Months $10,000 .35% .35%
17 Months $25,000 .40% .40%

IRA Savings**

Minimum Deposit Interest Rate APY
$0 .25% .25%
$5,000 .25% .25%
$25,000 .35% .35%
$100,000 .45% .45%

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

Checking and Savings

Name Minimum Interest Rate APY
Savings** $0 .05% .05%
Kids First Savings** $0 .05% .05%
Money Market** $0 .10% .10%
$10,000 .10% .10%
$25,000 .15% .15%
$100,000 .20% .20%
$250,000 .20% .20%
Personal Checking w/Int.** $500 .02% .02%
Premier Checking** $2,500 .05% .05%
Health Savings** $0 .05% .05%
$5,000 .10% .10%
First Point Checking $0 .07% .07%
Commercial Checking w/Int.** $0 .05% .05%

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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