Interest Rates and APYs Effective August 11, 2025
Interest Rates subject to change without notice.
Fees could reduce the earnings on the account.
We only accept deposits from customers with either a primary or secondary residence located within local communities
Savings Accounts
| Account Type | Interest Rate | APY Quarterly |
|---|---|---|
| Savings | 0.30% | 0.30% |
| Christmas Club | 0.20% | Not compounded. |
NOW Accounts
| Account Type | Interest Rate | APY Monthly | Min. to Open |
|---|---|---|---|
| $50,000.00 or more | 0.45% | 0.45% | $1,000.00 |
| $49,999.99 to $25,000.00 | 0.30% | 0.30% | |
| $24,999.99 to $10,000.00 | 0.25% | 0.25% | |
| Less than $10,000.00 | 0.10% | 0.10% |
Money Market Accounts
| Account Type | Interest Rate | APY Monthly | Min. To Open |
| $100,000 or more | 1.00% | 1.00% | $5,000.00 |
| $99,999.99 to $50,000.00 | 0.55% | 0.55% | |
| $49,999.99 to $25,000.00 | 0.30% | 0.30% | |
| $24,999.99 to $10,000.00 | 0.25% | 0.25% | |
| Less than $10,000.00 | 0.10% | 0.10% |
Certificates of Deposits (CDs)
| Account Type | Min. Balance | Interest Rate | APY Monthly | Penalty for Early Withdrawal |
| 7 to 31 Days | $5,000 | 2.08% | 2.10% | Up to 1 month |
| 91 Days | $5,000 | 3.35% | 3.40% | 3 month |
| 182 Days | $1,000 | 2.18% | 2.20% | 3 month |
| 12 Months | $1,000 | 2.28% | 2.30% | 3 month |
| 13 Months |
$1,000 | 2.28% |
2.30% |
6 months |
| 18 Months | $1,000 | 2.325% | 2.35% | 6 months |
| 24 Months | $1,000 | 2.42% | 2.45% | 6 months |
| 30 Months | $1,000 | 2.42% | 2.45% | 12 months |
| 36 Month | $1,000 | 2.325% | 2.35% | 12 months |
| 48 Months | $1,000 | 2.47% | 2.50% | 12 months |
| 60 Months | $1,000 | 2.91% | 2.95% | 12 months |
APY for CDs assumes a monthly compounding interest; yields will vary under options of interest payment.