Deposit Rates

Rates and Annual Percentage Yield (APY) are subject to change and are valid as of February 1, 2017. You may also contact us for the latest rates. 


Checking Accounts**

Account Type Interest Rate Annual Percentage Yield
50+ Free Interest 0.05% 0.05%
VIP Free Interest 0.05% 0.05%
Business Interest 0.05% 0.05%
Ultimate Checking - balances $0 through $24,999.99 1.10% 1.11%
Ultimate Checking - balances of $25,000.00 and over 0.25% 0.25%

**The interest rate and annual percentage yield may change after account opening. Accounts require a $50.00 minimum initial deposit.

^To qualify for Ultimate interest and refunds of all ATM fees, you must meet three simple requirements each monthly statement cycle. (1) Use your debit card and have 10 point of sale transactions post to your account. (2) Have a direct deposit or ACH. (3) Receive your statements electronically. Accounts that do not meet the monthly requirements will receive a 0.10% annual percentage yield on the entire account balance and will not qualify for ATM refunds.


Premier Money Market Accounts**

Account Type Interest Rate Annual Percentage Yield
Balances of $0 through $9,999.99 0.10% 0.10%
Balances of $10,000 through $24,999.99 0.20% 0.20%
Balances of $25,0000 and over 0.30% 0.30%

**The interest rate and annual percentage yield may change after account opening. Account requires a $750.00 minimum initial deposit. This is a limited transaction account. 


IRAs and CD's*

Scroll to the left to view the rest of the table.
Term Rate Annual Percentage Yield
3 Months 0.15% 0.15%
6 Months 0.25% 0.25%
12 Month CD 0.35% 0.35%
18 Month CD 0.45% 0.45%
24 Month CD 0.55% 0.55%
30 Month CD 0.65% 0.65%
36 Month CD 0.75% 0.75%
48 Month CD 1.00% 1.00%
60 Month CD 1.25% 1.26%

*A penalty may be imposed for early withdrawal. IRAs require a $100.00 minimum initial deposit and Certificates of Deposit require a $1,000.00 minimum initial deposit. Three month term not available as an IRA. 


Savings Accounts*

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Account Type Interest Rate Annual Percentage Yield
Personal Savings*** 0.25% 0.25%
Minor Savings** 1.00% 1.00%
Business Savings*** 0.25% 0.25%

*The interest rate and annual percentage yield may change after account opening. This is a limited transaction account. 

**Account requires a $25 minimum initial deposit. This account is for children ages 17 and under.

***Accounts require a $50.00 minimum initial deposit. A $3.00 monthly service fee is assessed if balance falls below $50.00. Fees could reduce the earnings on this account.