Personal Rates
Rates Effective October 31, 2025
Personal Checking Accounts
| Type of Account | Interest Rate | Annual Percentage Yield | AMOUNT OF TIME INTEREST RATE IN EFFECT | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield |
|---|---|---|---|---|---|
| Regular Checking | N/A | N/A | N/A | $100.00 | N/A |
| Economy Checking | N/A | N/A | N/A | $100.00 | N/A |
| NOW Checking | 0.04% | 0.05% | Variable | $100.00 | $1,500.00 |
| Premium NOW Checking | Tiered Rate Account | ||||
| $25,000.00 - $49,999.99 | 0.04% | 0.05% | Variable | $25,000.00 | $25,000.00 |
| $50,000.00 - $149,999.99 | 0.09% | 0.10% | $50,000.00 | ||
| $150,000.00 And Up | 0.14% | 0.15% | $150,000.00 |
Money Market Accounts
| Type of Account | Interest Rate | Annual Percentage Yield | AMOUNT OF TIME INTEREST RATE IN EFFECT | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield |
|---|---|---|---|---|---|
| Money Market Accounts | Tiered Rate Account | ||||
| $2,500.00 - $24,999.99 | 0.49% | 0.50% | Variable | $2,500.00 | $2,500.00 |
| $25,000.00 - $49,999.99 | 1.98% | 2.00% | $25,000.00 | ||
| $50,000.00 - $249,999.99 | 2.72% | 2.75% | $50,000.00 | ||
| $250,000.00 And Up | 3.20% | 3.25% | $250,000.00 |
Savings Accounts
| Type of Account | Interest Rate | Annual Percentage Yield | AMOUNT OF TIME INTEREST RATE IN EFFECT | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield |
|---|---|---|---|---|---|
| Statement Savings | 0.04% | 0.05% | Variable | $100.00 | $200.00 |
| High Yield Statement Savings | Tiered Rate Account | ||||
| $1,000.00 - $9,999.99 | 0.04% | 0.05% | Variable | $1,000.00 | $1,000.00 |
| $10,000.00 And Up | 2.72% | 2.75% | $10,000.00 |
- Variable Rate Accounts – Interest rates are subject to change without notice. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. The interest rate on your account may change after the account is opened.
- Tiered Rate Minimum Daily Balance to earn Annual Percentage Yield – You must maintain the minimum balance shown above in your account each day for each tier, to earn the annual percentage yield disclosed for that Tier on the entire balance.
- Effect of Fees – Fees may reduce earnings. See the Deposit Account Disclosure for more information.
Certificate of Deposit Accounts
| Type of Account | Interest Rate | Annual Percentage Yield | AMOUNT OF TIME INTEREST RATE IN EFFECT | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield |
|---|---|---|---|---|---|
| 12 Month | 3.20% | 3.25% | Until Maturity | $500.00 | $500.00 |
| 15 Month* | 2.72% | 2.75% | Until Maturity | $500.00 | $500.00 |
| 18 Month | 0.29% | 0.30% | Until Maturity | $500.00 | $500.00 |
| Bump Up 20 Month CD** | 2.47% | 2.50% | Until Maturity1 | $500.00 | $500.00 |
| 24 Month | 0.34% | 0.35% | Until Maturity | $500.00 | $500.00 |
| 36 Month | 0.49% | 0.50% | Until Maturity | $500.00 | $500.00 |
| 60 Month | 0.59% | 0.60% | Until Maturity | $2,500.00 | $2,500.00 |
- Fixed Rate Accounts – The interest rate in effect on the day your CD is opened will remain in effect until the maturity date of the CD, unless a withdrawal is made that brings your balance below the minimum balance shown above for each product type listed. 1At your discretion, once during the initial term, you may choose to increase the interest rate to the interest rate we are then paying on new 20 Month “Bump-Up” CD’s. See the Deposit Account Disclosure for more information.
- Effect of Interest Withdrawal – The Annual Percentage Yield assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings.
- Early Withdrawal Penalties – Substantial penalty for early withdrawal.
- Automatically Renewable Time Accounts – At maturity, the above accounts will automatically renew after the grace period. * The 15 Month CD will be renewed at maturity into a 12 Month CD at an Interest rate we are then paying on similar CD’s with that term. ** the 20 Month Bump-Up CD will be renewed at maturity into a 24 Month CD at an Interest rate we are then paying on similar CD’s with that term. Please refer to the Deposit Account disclosure for more details or inquire with a customer service representative.
Individual Retirement Accounts
| Type of Account | Interest Rate | Annual Percentage Yield | AMOUNT OF TIME INTEREST RATE IN EFFECT | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield |
|---|---|---|---|---|---|
| 12 Month | 3.20% | 3.25% | Variable | $500.00 | $500.00 |
| 15 Month* | 2.72% | 2.75% | Variable | $500.00 | $500.00 |
| 18 Month | 0.29% | 0.30% | Variable | $500.00 | $500.00 |
| Bump Up 20 Month CD** | 2.47% | 2.50% | Variable1 | $500.00 | $500.00 |
| 24 Month | 0.34% | 0.35% | Variable | $500.00 | $500.00 |
| 36 Month | 0.49% | 0.50% | Variable | $500.00 | $500.00 |
| 60 Month | 0.59% | 0.60% | Variable | $2,500.00 | $2,500.00 |
- Fixed Rate Accounts – The interest rate in effect on the day your CD is opened will remain in effect until the maturity date of the CD, unless a withdrawal is made that brings your balance below the minimum balance shown above for each product type listed. 1 At your discretion, once during the initial term, you may choose to increase the interest rate to the interest rate we are then paying on new 20 Month “Bump-Up” CD’s. See the Deposit Account Disclosure for more information.
- Effect of Interest Withdrawal – The Annual Percentage Yield assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings.
- Early Withdrawal Penalties – Substantial penalty may apply for early withdrawal. Check your plan disclosure if the account is part of an IRA or other tax qualified plan.
- Automatically Renewable Time Accounts – At maturity, the above accounts will automatically renew after the grace period. * The 15 Month CD will be renewed at maturity into a 12 Month CD at an Interest rate we are then paying on similar CD’s with that term. ** the 20 Month Bump-Up CD will be renewed at maturity into a 24 Month CD at an Interest rate we are then paying on similar CD’s with that term. Please refer to the Deposit Account disclosure for more details or inquire with a customer service representative.
