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Rates/Fee Charges

Deposit Rates | Fee Charges

Savings Accounts *
Type of Account Minimum Deposit to Open   Interest Rate APY **
Statement Savings $100 1.00% 1.01%
Christmas Club $10 1.00% 1.01%
* The rate may change after the account is opened, and fees may reduce earnings. 
** Annual Percentage Yield 
See Deposit Products Tab for Disclosures 


Checking Accounts *
Type of Account Minimum Deposit to Open Minimum Balance to Obtain APY ** Interest Rate APY **
Smart Choice Checking $50 N/A none none
Now Acct, Senior Acct, Sole Proprietor Checking $200 $500 – $4,999 .80% .80%
$5,000 - $9,999 1.05% 1.06%
$10,000 or more 1.40% 1.41%
Small Business Checking $200 N/A none none
Business Checking $200 N/A none none
* The rate may change after the account is opened, and fees may reduce earnings. 
** Annual Percentage Yield 
See Deposit Products Tab for Disclosures 


Money Market Account*
Type of Account Minimum Deposit to Open Minimum Balance to Obtain APY ** Interest Rate APY **
Money Market Account $1,000 $1,000 - $9,999 1.60% 1.61%
$10,000 - $24,999 2.50% 2.53%
$25,000 or more 2.65% 2.68%
* The rate may change after the account is opened, and fees may reduce earnings. 
** Annual Percentage Yield 
See Deposit Products Tab for Disclosures 


Certificate of Deposit *
Type of Account Minimum Deposit to Open Minimum Balance to Obtain APY ** Interest Rate APY **
91 Day $1,000 $1,000 1.85% 1.86%
182 Day $1,000 $1,000 1.85% 1.86%
1 Year $1,000 $1,000 1.95% 1.96%
13 Month $1,000 $1,000 3.50% 3.55%
2 Year $1,000 $1,000 2.05% 2.07%
25 month $1,000 $1,000 3.75% 3.80%
3 Year $1,000 $1,000 2.60% 2.63%
4 Year $1,000 $1,000 2.70% 2.73%
5 Year $1,000 $1,000 2.70% 2.73%
3 Year Youth Variable $250 $250 2.60% 2.63%
IRA 1 Year $250 $250 3.75% 3.80%
IRA 2 Year $250 $250 2.05% 2.07%
IRA 3 year $250 $250 2.60% 2.63%
IRA 5 Year $250 $250 2.70% 2.73%
IRA 5 Year Variable $250 $250 2.85% 2.89%
*An early withdrawal penalty may exist for certificates. 
** Annual Percentage Yield 
See Deposit Products Tab for Disclosures 


Health Savings Account
Type of Account Minimum Deposit to Open Minimum Balance to Obtain APY ** Interest Rate APY **
Health Savings Account $100 $500 1.80% 1.81%
* The rate may change after the account is opened, and fees may reduce earnings. 
** Annual Percentage Yield 
See Deposit Products Tab for Disclosures 
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