Savings Rates
Savings
Savings
Effective Date: Wednesday, October 29th, 2025
| Description | APY |
|---|---|
| Youth Savings Account: $0 & Up | 1.00% |
| Adult Savings: $0 - $499.99 | 0.00% |
| Adult Savings: $500 - $10,000 | 0.05% |
| Adult Savings: $10,000.01 & Up | 0.10% |
| Christmas Club: $1.00 & Up | 0.05% |
| Business Savings: $0 - $499.99 | 0.00% |
| Business Savings: $500 - $10,000 | 0.15% |
| Business Savings: $10,000.01 & Up | 0.25% |
Checking Rates
Checking Rates
| Tier Breakdown | APY |
|---|---|
| Basic Checking | |
| $0 or over | 0.00% |
| Premium Checking | |
| $0 - $2,499.99 | 0.00% |
| $2,500 - $9,999.99 | 0.00% |
| $10,000 - $24,999.99 | 0.00% |
| $25,000 - $49.999.99 | 0.00% |
| $50,000 & over | 0.00% |
| Business Checking With Interest | |
| $0 - $9,999.99 | 0.00% |
| $10,000 - $24,999.99 | 0.05% |
| $25,000 - $49,999.99 | 0.10% |
| $50,000 - $99,999.99 | 0.15% |
| $100,000 & over | 0.15% |
Certificates of Deposit
Certificates of Deposit
| Term | Minimum Deposit | APY |
|---|---|---|
| Save to Win CD | ||
| 12 Months | $25.00 | 3.50% |
| 3 Months | $500.00 | 0.50% |
| 6 Months | $500.00 | 4.00% |
| 12 Months | $1,000.00 | 3.50% |
| 18 Months | $1,000.00 | 3.75% |
| 24 Months | $1,000.00 | 3.50% |
| 36 Months | $1,000.00 | 3.50% |
| 48 Months | $1,000.00 | 3.50% |
| 60 Months | $1,000.00 | 3.50% |
| Youth CD - Min./Max. Deposit $100/$2,000 (Max. Age 23 yrs.) | ||
| 4 Months | $100.00 | 4.00% |
IRA Passbook Account
IRA Passbook Account
| Tier Breakdown | APY |
|---|---|
| $0 - $100.99 | 0.00% |
| $101.00 - $1,000.99 | 0.05% |
| $1001.00 - $24,999.99 | 0.15% |
| $25,000.00 - $49,999.99 | 0.20% |
| $50,000 & over | 0.25% |
Traditional/Roth IRA CDs
Traditional/Roth IRA CDs
| Term | APY |
|---|---|
| 12 Months - Minimum Deposit $1,000 | 3.50% |
| 24 Months - Minimum Deposit $1,000 | 3.50% |
| 36 Months - Minimum Deposit $1,000 | 3.50% |
| 48 Months - Minimum Deposit $1,000 | 3.50% |
| 60 Months - Minimum Deposit $1,000 | 3.50% |
| APY=Annual Percentage Yield. Fees could reduce your earnings on savings products. | |
Money Market Account
Money Market Account
| Tier Breakdown | APY |
|---|---|
| $0 - $999.99 | 0.10% |
| $1,000 - $24,999.99 | 0.25% |
| $25,000 - $49,999.99 | 0.35% |
| $50,000 - $99,999.99 | 0.45% |
| $100,000 & Up | 0.55% |
| $200,000 and up | 0.75% |