Rates

Savings Rates

Simply Savings(1, 2, 3, 6)
Account BalanceInterest RateAnnual Percentage Yield
$0 – $99.99 0.00% 0.00%
$100 + 0.02% 0.02%
Premier Interest Savings(1, 2, 3, 6)
Account BalanceInterest RateAnnual Percentage Yield
$0 - $2,499.99 0.00% 0.00%
$2,500 - $49,999.99 0.15% 0.15%
$50,000 - $499,999.99 0.30% 0.30%
$500,000.00 + 3.93% 4.00%

Personal Checking Rates

50 Plus Interest Checking(1, 2, 3, 6)
Account BalanceInterest RateAnnual Percentage Yield
$0.01 + 0.02% 0.02%
Direct Interest Checking(1, 2, 3, 6)
Account BalanceInterest RateAnnual Percentage Yield
$0.01 + 0.02% 0.02%
Premier Interest Checking(1, 2, 3, 6)
Account BalanceInterest RateAnnual Percentage Yield
$0.01 - $1,499.99 0.02% 0.02%
$1,500 + 0.20% 0.20%

Business Checking Rates

Business Interest Checking(1, 2, 3, 6)
Account BalanceInterest RateAnnual Percentage Yield (APY)
$0.01 + 0.20% 0.20%
Commercial Checking(1, 6)
Account BalanceEarnings Credit Rate
$0.01 + 0.02%
Certificates of Deposit(3, 4, 5, 7, 8, 9, 10)
TermInterest RateAnnual Percentage Yield (APY)
6 Month 3.25% 3.29%
9 Month 3.94% 4.00%
12 Month 2.50% 2.52%
18 Month 3.05% 3.08%
24 Month 1.15% 1.15%
30 Month 1.15% 1.15%
36 Month 1.15% 1.15%
48 Month 1.15% 1.15%
60 Month 1.15% 1.15%
120 Month 1.15% 1.15%

IRAs (Individual Retirement Accounts)

Fixed Rate IRA CD (3, 4, 6, 7, 8, 9, 10)
All of the above CD terms and rates may be applied to an IRA, excluding specials.
Deposits at maturity only. Interest compounds and credits monthly.

Variable Rate IRA CD (3, 5, 7, 8, 10)
Earn interest at a CD rate while still being able to deposit. Offered in an 18 month term with a current interest rate of 0.15% and an Annual Percentage Yield of 0.15%. Interest compounds and credits quarterly.

Interest Plus IRA(1, 2, 3, 6)
Account BalanceInterest RateAnnual Percentage Yield (APY)
$0 - $199.99 0.00% 0.00%
$200 - $2,499.99 0.05% 0.05%
$2,500 - $24,999.99 0.10% 0.10%
$25,000 - $499,999.99 0.15% 0.15%
$500,000.00 + 3.93% 4.00%
Deposit or withdraw at any time without penalty.

Rates effective as of December 1, 2022; All rates and terms subject to change without notice.

(1) Variable rate; subject to change at any time without notice
(2) Daily interest earned on collected balance for number of days balance falls within the various tiers at the corresponding rate
(3) Earned interest must be left in account to compound to earn APY. Fees may reduce earnings
(4) Earns a fixed rate; no additions can be made until maturity
(5) Compounds/credits quarterly; except 3 month CD, which credits interest to account at maturity only
(6) Compounds/credits monthly
(7) All Certificates minimum balance to open = $500.00
(8) Certificates automatically renew at the current rate paid on the particular term after a grace period of 9 days
(9) At maturity, 5 month CD special rolls into and becomes a 6 month certificate at the rate then offered for a six month term
(10) Subject to penalty for early withdrawal

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