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Interest Rates


Effective May 11, 2022

CERTIFICATES OF DEPOSIT*

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 0.20% 0.20% 0.45% 0.45% 0.50% 0.50% 0.55% 0.55%
$1,000 Minimum $15,000 Minimum $30,000 Minimum
Term Interest Rate APY** Interest Rate APY** Interest Rate APY**
6 Months 0.30% 0.30% 0.35% 0.35% 0.40% 0.40%
1 Year 0.35% 0.35% 0.40% 0.40% 0.45% 0.45%
11/2 Years 0.40% 0.40% 0.45% 0.45% 0.50% 0.50%
2 Years 0.45% 0.45% 0.50% 0.50% 0.55% 0.55%
3 Years 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%
4 Years 0.65% 0.65% 0.70% 0.70% 0.75% 0.75%
5 Years 0.75% 0.75% 0.80% 0.80% 0.85% 0.85%

CD Specials

Term Minimum Deposit Interest Rate APY**
11 Month CD $10,000 0.45% 0.45%
11 Month CD $25,000 0.50% 0.50%
21 Month CD $10,000 0.55% 0.55%
21 Month CD $25,000 0.60% 0.60%

INDIVIDUAL RETIREMENT ACCOUNT (IRA) SAVINGS

Minimum Deposit Interest Rate APY**
$0.01-$24,999 0.45% 0.45%
$25,000-$99,999 0.55% 0.55%
$100,000 + 0.65% 0.65%

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

SAVINGS ACCOUNTS

Name Minimum Interest Rate APY**

Savings (Savings, Kids First, and Celebration)

$0.01+ 0.05% 0.05%
Money Market Savings Commercial/Consumer $0.01-$24,999 0.10% 0.10%
$25,000-$99,999 0.15% 0.15%
$100,000-249,999 0.20% 0.20%
$250,000 + 0.25% 0.25%

CHECKING ACCOUNTS

Name Minimum Interest Rate APY**
Premier Checking $0.01-24,999 0.07% 0.07%
$25,000-$99,999 0.08% 0.08%
$100,000 + 0.09% 0.09%
Interest Rewards *** (Met Qualifications) $0.01-$15,000 1.25% 1.25%
$15,000 + 0.05% 0.05%
Interest Rewards (Did not meet Qualifications) $0.01 + 0.02% 0.02%
Health Savings Account (HSA) Checking $0.01-$4,999 0.05% 0.05%
$5,000 0.10% 0.10%
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 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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