Deposit Rates

DEPOSIT INTEREST RATES

CDs & IRAs

Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account** Minimum Balance to Obtain APY**
91 days 0.20% 0.20% $500 $500
182 days 0.25% 0.25% $500 $500
9 months 0.30% 0.30% $500 $500
1 year 0.40% 0.40% $500 $500
15 months 0.50% 0.50% $500 $500
2 year 0.60% 0.60% $500 $500
3 year 0.85% 0.85% $500 $500
3-Year Options 0.85% 0.85% $1,000 $1,000
4 year 0.90% 0.90% $500 $500
5 year 1.00% 1.00% $500 $500
Start Small CD 0.40% 0.40% $25 $25

Savings

Interest Rate Annual Percentage Yield (APY)* Minimum Deposit to Open Account Minimum Balance to Obtain APY
Pay Yourself First Savings 0.30% 0.30% $100 $0
Club Accounts# 0.30% 0.30% $20 $20
Savings 0.05% 0.05% $50 $100
Smart Savings
$1,000 or more
0.40% 0.40% $1,000 $1,000
Smart Savings
$999.99 or less
0.01% 0.01% $1,000 $0
Health Savings
$500 or more
0.05% 0.05% $200 $500
Health Savings
$0-$499.99
0.00% 0.00% $200 $0

Money Market Accounts

Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY
Money Market Plus*
$35,000 or more
0.50% 0.50% $10,000 $35,000
Money Market Plus*
$10,000-$34,999
0.40% 0.40% $10,000 $10,000
Money Market Plus*
$0-$9,999
0.00% 0.00% $10,000 $0
Asset Builder Money Market
$50,000 or more
0.50% 0.50% $50,000 $50,000
Asset Builder Money Market
$0-$49,999.99
0.01% 0.01% $0
Money Market*
$50,000 or more
0.50% 0.50% $200 $50,000
Money Market*
$10,000 - $49,999.99
0.40% 0.40% $200 $50,000
Money Market*
$2,500 - $9,999.99
0.25% 0.25% $200 $2,500
Money Market*
$0 - $2,499.99
0.10% 0.10% $200 $0

Checking Accounts

Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Balance to Obtain APY
Interest Checking* 0.05% 0.05% $200 $1,000
Senior Interest Checking 0.05% 0.05% $200 $0
Business Interest Checking* 0.05% 0.05% $200 $10,000

Rates as of 9/24/2020. Government regulations require that we make the following disclosures available to you when you open an account. You may print these disclosures for your files, if you wish. Refer to account disclosure for further details Read disclosures here.

*The interest rate and APY on savings and money market accounts may change after account opening. Fees could reduce earnings. **A penalty may be imposed for early withdrawal from a CD or IRA CD. Additions are allowed on CDs with a term of 1 year or less. Annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. #Club rate is for those with automatic deposits.

Customer Notice: To assist the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Rates are subject to change without notice. Thank you for your cooperation.