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Deposit Rate Sheet
1/7/26
Checking and Savings Account Rates
Product Type
Minimum Balance
Free Checking
No Minimum Balance
BASIC Checking ***
$500.00
NOW Checking ***
$1,000.00
Super NOW Checking***
$2,500.00
Statement Savings & Kids Club***
$10.00 to earn interest
Christmas & Vacation Clubs***
$10.00 to earn interest
Interest Rate/APY
Not Applicable
0.05%**
0.10%**
0.10%**
0.40%**
0.40%**
Money Market Rates***
Tier Balance
Interest Rates
APY
$500 to $49,999.99
0.400%
0.40%**
$50,000 to $99,999.99
$100,000.00 to $249,999.99
0.549%
0.649%
0.55%**
0.65%**
$250,000.00 to $499,999.99
0.749%
0.75%**
$500,000.00 to $999,999.99
0.948%
$1,000,000.00 and above
1.047%
0.95%**
1.05%**
Certificate of Deposit Rates****
Term
6 Months
Interest Rate
3.568%
APY
3.60%
7 Months
3.372%
12 Months
15 Months
3.372%
2.978%
18 Months
21 Months
2.978%
1.246%
24 Months
2.978%
3.40%
3.40%
3.00%
3.00%
1.25%
3.00%
Minimum Balance
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
30 Months
2.978%
36 Months
2.978%
48 Months
2.978%
60 Months
2.583%
3.00%
3.00%
3.00%
2.60%
$1,000.00
$1,000.00
$1,000.00
$1,000.00
Individual Retirement Account Rates****
Term
Interest Rate
APY
Minimum Balance
15 Months
2.978%
3.00%
$250.00
18 Months
2.978%
3.00%
$250.00
24 Months
2.978%
3.00%
$250.00
30 Months
36 Months
48 Months
2.978%
3.00%
2.978%
3.00%
2.978%
3.00%
$250.00
$250.00
$250.00
60 Months
2.583%
2.60%
$250.00
APY- Annual Percentage Yield. APY accurate as of 1/7/2026 Business Day.
**This rate may change after the account is opened.
***Fees could reduce the earning on these accounts.
**** There is a penalty for early withdrawal from Certificates of Deposit/IRAs.
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