Deposit Rates

Rates effective as of  August 9, 2018

Regular Savings & Club Accounts

Product

Compounding Method

Interest Rate

APY**

Additional Information

Passbook Savings Account

Daily (365/365)

0.10%

0.10%

Initial deposit of $50.00 required. Minimum balance to earn the APY is $50.00

Statement Savings Account W/ATM Card

Daily (365/365)

0.10%

0.10%

Initial deposit of $50.00 required.  ATM Card available. Minimum balance to earn the APY is $50.00

Holiday Club

Interest not Compounded

0.10%

0.10%

The amount of Club Account available are $10, $20 and $25

Vacation Club

Interest not Compounded

0.10%

0.10%

The amount of the Club Account available are $10, $20 and $25

Kid Savers Account

Daily (365/365)

0.20%

0.20%

Initial deposit of $1 required. Minimum balance to earn the APY is $1.00

**APY = Annual Percentage Yield
This is a variable interest rate account. Rates, Terms and Conditions are subject to change without notice. Fees may reduce earnings.

Money Market Savings

Product

Compounding Method

Interest Rate

APY**

Additional Information

Money Market Passbook

Daily (365/365)

0.10%

0.10%

Initial deposit of $1000 required. Minimum to earn the APY is $1,000

Premium Tiered Money Market Account

Daily
(365/365)

Tier 1
0.15%

Tier 1
0.15%

1st Tier balance requirement is $10,000 to $49,999.99. Initial deposit to open is $10,000.00. Minimum balance to earn APY is $10,000.00

Premium Tiered Money Market Account

Daily  
(365/365)

Tier 2
0.25%

Tier 2
0.25%

2nd Tier balance requirement is $50,000.00 and over. Minimum balance to earn APY is $50,000.

This is a variable interest rate account. Rates, Terms and Conditions are subject to change without notice. Fees may reduce earnings.

Personal Checking

Product

Interest Rate

APY**

Interest Credited

Balance For No Fee

Senior Checking

0.10%

0.10%

Monthly

No minimum required

Now Checking

0.10%

0.10%

Monthly

$100 minimum daily required

Community Checking

0.10%

0.10%

Monthly

N/A

Totally Free Checking

3.10%***

3.15%***

Monthly

No minimum required

This is a variable interest rate account. Rates, Terms and Conditions are subject to change without notice. Fees may reduce earnings.
***Totally Free Checking offers an introductory rate of 3.15% APY guaranteed for 3 months on balances up to $25,000; 0.10% on balances over $25,000.

Business Checking

Product Title

APY**

Interest Credited

Additional Information

Balance For No Fee

Small Business Checking*

0.10%

Monthly

Initial deposit of $100 required to open.

$100 balance required for no monthly fee

Business Checking

Non-Interest Bearing

N/A

Initial deposit of $100 required to open.

$100 balance required for no monthly fee.

*This is a variable interest rate account. Rates, Terms and Conditions are subject to change without notice. Fees may reduce earnings.

Certificate of Deposits & IRAs

Product Title

Minimum to Open and Earn APY**

Interest Rate

APY**

Interest Credited

91 Days

$1,000.00

0.25%  0.25%

End of Term

99 Days

$1,000.00

 0.25%  0.25%

End of Term

5 Months

$1,000.00

 0.28%  0.28%

End of Term

6 Months

$1,000.00

 0.30%  0.30%

End of Term

7 Months

$1,000.00

 0.30%  0.30%

End of Term

12 Months

$1,000.00

 0.20%  0.20%

Monthly or Quarterly

13 Months

$1,000.00

 0.20%  0.20%

Quarterly

18 Months

$1,000.00

 0.40%  0.40%

Quarterly

18 Month Flexible

$1,000.00

 0.50%  0.50%

Monthly

18 Month Variable
Available For IRA Only

$1,000.00

 0.50%  0.50%

Monthly

24 Months

$1,000.00

 0.65%  0.65%

Quarterly

30 Months

$1,000.00

 0.70%  0.70%

Quarterly

36 Months

$1,000.00

 0.80%  0.80%

Quarterly

36 Months Flexible

$1,000.00

 1.00%  1.00%

Quarterly

48 Months

$1,000.00

 1.19%  1.20%

Quarterly

60 Months

$1,000.00

 1.29%  1.30%

Quarterly

**The Annual Percentage Yield (APY) on all Certificate of Deposits and IRAs is calculated using daily (365/365); Interest Rates subject to change without notice. Penalty for early withdrawal from a Certificate of Deposit will reduce earnings and Annual Percentage Yield.  

 

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