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Deposit Rates

APY = Annual Percentage Yield. Rates effective as of March 17, 2015. Fees may reduce earnings.

CD Rates

TermMinimum Opening DepositMinimum Balance to Obtain Annual Percentage YieldInterest RateAnnual Percentage Yield
6 month $2,500.00 $2,500.00 0.49% 0.50%
12 month $500.00 $500.00 0.49% 0.50%
15 month SPECIAL! $500.00 $500.00 0.49% 0.50%
18 month $500.00 $500.00 0.49% 0.50%
24 month $500.00 $500.00 0.49% 0.50%
30 month $500.00 $500.00 0.49% 0.50%
31 month
(One Time Rate Change Option)
$500.00 $500.00 1.23% 1.25%
36 month $500.00 $500.00 0.74% 0.75%
48 month $500.00 $500.00 0.98% 1.00%
59 month $500.00 $500.00 1.71% 1.75%
60 month
(One Time Rate Change Option)
$500.00 $500.00 1.47% 1.50%
72 month $500.00 $500.00 1.95% 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 $2,500.00 0.00% 0.00%
$2,500.00 - $4,999.99 $2,500.00 0.10% 0.10%
$5,000.00 - $9,999.99 $2,500.00 0.25% 0.25%
$10,000.00 - $39,999.99 $2,500.00 0.25% 0.25%
$40,000.00 - $9,999,999.00 $2,500.00 0.49% 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 .00 0.10% 0.10%
VIP Free Interest Checking
With Rewards
$25.00 .00 0.10% 0.10%
High Interest Checking
(Balances up to $2,499.99)
With Rewards
$25.00 .00 0.10% 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%
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 $10.00 0.10% 0.10%
Passbook $10.00 $10.00 0.10% 0.10%
Christmas Club $1.00 $1.00 0.10% 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.