Rates and Fees

Deposit Rates

All deposit rates are effective as of February 12, 2025 and are subject to change without notice.

Checking & Savings
Certificates of Deposit
Individual Retirement Accounts (IRAs)

Checking & Savings*

Account Type	Minimum Daily Balance to Obtain APY	Interest Rate	Annual Percentage Yield
NOW Checking	$1,000.00	0.45%	0.45%
HSA Checking	$0.00	0.65%	0.65%
Passbook Savings	$0.00	0.65%	0.65%
Set A Goal Savings	$0.00	0.65%	0.65%
Money Market	$0.01 - $999.99	0.65%	0.65%
	$1,000.00 - $49,999.99	0.80%	0.80%
	$50,000.00 - $99,999.99	1.29%	1.30%
	$100,000.00 - $249,999.99	1.59%	1.60%
	$250,000.00 - $499,999.99	2.08%	2.10%
	$500,000.00 & Over	2.67%	2.70%

*Interest Rate and Annual Percentage Yield (APY) on these accounts may change after account is opened. Fees may reduce earnings.

Certificates of Deposit***

Account Type	Minimum Deposit to Open	Interest Rate	Annual Percentage Yield**
3 Month	$500.00	1.59%	1.60%
6 Month	$500.00	1.99%	2.00%
9 Month SPECIAL	$2,500.00	4.10%	4.16%
12 Month	$500.00	2.38%	2.40%
15 Month	$500.00	2.38%	2.40%
18 Month	$500.00	2.48%	2.50%
24 Month	$500.00	2.48%	2.50%
30 Month	$500.00	2.575%	2.60%
36 Month	$500.00	2.62%	2.65%
48 Month	$500.00	2.67%	2.70%
60 Month	$500.00	2.72%	2.75%

** Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.
*** Penalty may be imposed for early withdrawal on Certificates of Deposit. Fees may reduce earnings.

Individual Retirement Accounts (IRAs)***

Account Type	Minimum Deposit to Open	Interest Rate	Annual Percentage Yield**
Variable	$0.00	1.69%	1.70%
12 Month CD	$500.00	2.38%	2.40%
30 Month CD	$500.00	2.575%	2.60%

*Interest Rate and Annual Percentage Yield (APY) on these accounts may change after account is opened.
** Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.
*** Penalty may be imposed for early withdrawal on Certificates of Deposit. Fees may reduce earnings.