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Interest Rates


Certificates of Deposits

Effective December 1, 2018

ADD IT UP CD $100 Minimum $15,000 Minimum $30,000 Minimum
Term Interest Rate APY Interest Rate APY Interest Rate APY
24 Months 1.30% 1.31% 1.40% 1.41% 1.50% 1.51%
$1,000 Minimum $15,000 Minimum $30,000 Minimum
Term Interest Rate APY Interest Rate APY Interest Rate APY
6 Months .75% .75% .80% .80% .85% .85%
1 Year .90% .90% .95% .95% 1.00% 1.00%
11/2 Years 1.10% 1.10% 1.20% 1.21% 1.30% 1.31%
2 Years 1.30% 1.31% 1.40% 1.41% 1.50% 1.51%
3 Years 1.50% 1.51% 1.60% 1.61% 1.70% 1.71%
4 Years 1.65% 1.66% 1.75% 1.76% 1.90% 1.91%
5 Years 1.90% 1.91% 2.00% 2.02% 2.10% 2.12%

CD Specials

Term Minimum Deposit Interest Rate APY
9 Months $10,000 1.80% 1.81%
9 Months $25,000 1.90% 1.91%
27 Months $10,000 2.45% 2.47%
27 Months $25,000 2.60% 2.62%

IRA Savings**

Minimum Deposit Interest Rate APY
$0 1.00% 1.00%
$5,000 1.00% 1.00%
$25,000 1.50% 1.51%
$100,000 1.70% 1.71%

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

Checking and Savings

Name Minimum Interest Rate APY
Savings** $0 .15% .15%
Kids First Savings** $0 .15% .15%
Money Market** $0 .20% .20%
$10,000 .25% .25%
$25,000 .30% .30%
$100,000 .45% .45%
$250,000 .50% .50%
Personal Checking w/Int.** $500 .10% .10%
Premier Checking** $2,500 .15% .15%
Health Savings** $0 .15% .15%
$5,000 .20% .20%
First Point Checking $0 .15% .15%
Commercial Checking w/Int.** $0 .15% .15%

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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