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Deposit Rates

Rates Effective as of May 14, 2014 and are subject to change without notice.

CD Rates

TermMinimum Opening DepositMinimum Balance to Obtain Annual Percentage YieldInterest RateAnnual Percentage Yield
6 month$2,500.00$2,500.000.49%0.50%
12 month$500.00$500.000.49%0.50%
15 month SPECIAL!$500.00$500.000.49%0.50%
18 month$500.00$500.000.49%0.50%
24 month$500.00$500.000.49%0.50%
30 month$500.00$500.000.49%0.50%
31 month

(One Time Rate Change Option)

$500.00$500.000.49%0.50%
36 month$500.00$500.000.74%0.75%
48 month$500.00$500.000.98%1.00%
59 month$500.00$500.001.71%1.75%
60 month

(One Time Rate Change Option)

$500.00$500.001.47%1.50%
72 month$500.00$500.001.95%2.00%

A penalty may be imposed for early withdrawal.

Money Market Rates

Daily BalanceMinimum Opening DepositInterest RateAnnual Percentage Yield
Up to $2,499.99$2,500.000.00%0.00%
$2,500.00 - $4,999.99$2,500.000.10%0.10%
$5,000.00 - $9,999.99$2,500.000.25%0.25%
$10,000.00 - $39,999.99$2,500.000.25%0.25%
$40,000.00 - $9,999,999.00 $2,500.000.49%0.50%

The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account.

Checking Rates

Account TypeMinimum Opening DepositMinimum Balance*Interest RateAnnual Percentage Yield
50+ Free Interest Checking

With Rewards

$25.00.000.10%0.10%
VIP Free Interest Checking

With Rewards

$25.00.000.10%0.10%
High Interest Checking (Balances up to $2,499.99)

With Rewards

$25.00.000.10%0.10%
High Interest Checking (Balances $2,500.00-$25,000

With Rewards

$25.00$2,500.00.49%.50%
High Interest Checking (Balances above $25,001)

With Rewards

$25.00$25,001.10%.10%
Totally Free Checking

With Rewards

$25.00.00.00%.00%

*Daily balance. The amount of the principal in the account each day.

The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account.

Savings Rates

Account TypeMinimum Opening DepositMinimum Balance*Interest RateAnnual Percentage Yield
Statement$10.00$10.000.10%0.10%
Passbook$10.00$10.000.10%0.10%
Christmas Club$1.00$1.000.10%0.10%

*Daily balance. The amount of the principal in the account each day.

The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account.

For current rate information, call (315) 493-3480 or (800) 232-0450.