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Interest Rates

We keep our rates and certificates of deposit posted online as a convenience to our customers when making financial decisions. Realize rates are subject to change. Feel free to use our online calculators to figure savings and please contact us with any questions you may have.

Rates are current as of 11/30/2023

Limited Time Rate Specials

CD Rate Specials

Terms/Name Minimum Opening Deposit Rate APY*
7 Month Special $1,000-$9,999.99 new to bank funds 4.83% 4.90%
7 Month Special $10,000+ new to bank funds 5.03% 5.10%
11 Month Special $1,000-$9,999.99 new to bank funds 4.64% 4.70%
11 Month Special $10,000+ new to bank funds 4.84% 4.90%
23 Month Special $1,000-$9,999.99 new to bank funds 3.67% 3.70%
23 Month Special $10,000+ new to bank funds 4.25% 4.30%
35 Month Special $1,000-$9,999.99 new to bank funds 3.27% 3.30%
35 Month Special $10,000+ new to bank funds 3.76% 3.80%

 

**The Annual Percentage Yield (APY) for the cd rate specials listed are effective 11/30/2023. The minimum balance required to open the account and obtain the stated 4.90% APY is $1,000 new money for the 7 Month Special Certificate of Deposit or $10,000 new money for the 7 Month Special Certificate of Deposit with an APY of 5.10%. The minimum balance required to open the account and obtain the stated 4.70% APY is $1,000 new money for the 11 Month Special Certificate of Deposit or $10,000 new money for the 11 Month Special Certificate of Deposit with an APY of 4.90%. The minimum balance required to open the account and obtain the stated 3.70% APY is $1,000 new money for the 23 Month Special Certificate of Deposit or $10,000 new money for the 23 Month Special Certificate of Deposit with an APY of 4.30%.The minimum balance required to open the account and obtain the stated 3.30% APY is $1,000 new money for the 35 Month Special Certificate of Deposit or $10,000 new money for the 35 Month Special Certificate of Deposit with an APY of 3.80%. Interest for each Certificate of Deposit compounds semi-annually. Interest penalty for early withdrawal. Depositors insured up to $250,000 subject to FDIC Regulations. Limited time offer.

Money Market Specials

Terms/Name Minimum Opening Deposit Rate APY*
Smart Business Money Market - 6 Month Rate Lock** $50,000 new to bank funds 3.20% 3.25%
Consumer Money Market - 6 Month Rate Lock** $50,000 new to bank funds 2.50% 2.53%

 

**The Annual Percentage Yield (APY) for the smart business money market account and consumer money market account are effective 04/03/2023. The minimum balance required to open the account and obtain the stated APY is $50,000 new money for the smart business money market 3.25% APY; the minimum balance required to open the account and obtain the stated APY is $50,000 new money for the consumer money market 2.53% APY. Rates are guaranteed for six months. Depositors insured up to $250,000 subject to FDIC Regulations. Limited time offer.

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Deposit Rates

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Certificates of Deposit

Terms/Name Minimum Opening Deposit Rate APY*
91 Day CD/IRA $1,000 0.70% 0.70%
182 Day CD/IRA $1,000 0.90% 0.90%
12 Month CD/IRA $1,000 1.00% 1.00%
18 Month CD/IRA $1,000 1.20% 1.20%
24 Month CD/IRA $1,000 1.30% 1.30%
36 Month CD/IRA $1,000 1.40% 1.40%
48 Month CD/IRA $1,000 1.60% 1.61%
60 Month CD/IRA $1,000 1.80% 1.81%

Personal Checking Accounts

Terms/Name Minimum Opening Deposit The minimum balance required to obtain the advertised APY Rate APY*
Direct Interest Checking $50 $0.00 & Over 0.10% 0.10%
50 Plus Interest Checking $50 $0.00 & Over 0.10% 0.10%
Premier Interest Checking $50 $0-$1,499.99 0.10% 0.10%
Premier Interest Checking $50 $1,500.00 & Over 0.30% 0.30%

Business Checking Accounts

Terms/Name Minimum Opening Deposit The minimum balance required to obtain the advertised APY Rate APY*
Business Interest Checking $50 $0-$1,499.99 0.10% 0.10%
Business Interest Checking $50 $1,500.00 & Over 0.50% 0.50%

Savings Accounts

Terms/Name Minimum Opening Deposit The minimum balance required to obtain the advertised APY Rate APY*
Savings Accounts $50 $0.00-$99.99 0.00% 0.00%
Savings Accounts $50 $100 & Over 0.01% 0.01%

Personal Money Market Account

Terms/Name Minimum Opening Deposit The minimum balance required to obtain the advertised APY Rate APY*
Money Market Account $50 $0.00-$2,499.99 0.10% 0.10%
Money Market Account $50 $2,500.00 - $24,999.99 0.20% 0.20%
Money Market Account $50 $25,000 - $49,999.99 0.70% 0.70%
Money Market Account $50 $50,000.00 & Over 1.00% 1.00%

Smart Business Money Market Account

Terms/Name Minimum Opening Deposit The minimum balance required to obtain the advertised APY Rate APY*
Money Market Account $50 $0.00-$24,999.99 0.10% 0.10%
Money Market Account $50 $25,000.00 - $49,999.99 0.20% 0.20%
Money Market Account $50 $50,000.00 - $99,999.99 1.00% 1.00%
Money Market Account $50 $100,000.00 - $249,999.99 1.20% 1.21%
Money Market Account $50 $250,000.00 - $499,999.99 1.40% 1.41%
Money Market Account $50 $500,000.00 - $999,999.99 1.60% 1.61%
Money Market Account $50 $1,000,000.00 - $2,499.999.99 1.80% 1.81%
Money Market Account $50 $2,500,000.00 & Over 2.00% 2.02%

Health Savings Account

Terms/Name Minimum Opening Deposit The minimum balance required to obtain the advertised APY Rate APY*
Health Savings Account $50 $0.00 - $99.99 0.00% 0.00%
Health Savings Account $50 $100.00 - $9,999.99 0.01% 0.01%
Health Savings Account $50 $10,000.00 - $24,999.99 0.01% 0.01%
Health Savings Account $50 $25,000.00 & Over 0.05% 0.05%

 

 

 

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Rates and APY may be subject to change after the account is opened.

Rates may change on any account. For additional information, terms and conditions of the accounts listed on this rate sheet you may call 877-228-8001 during normal business hours.

***Fees could reduce the earnings on the account. Please contact a customer service representative for further information about applicable fees and terms.

Electronic statement provided monthly at no cost. Upon request, a paper statement can be mailed for a $3.95 per month fee for Direct Interest, 50 Plus Interest, Premier Interest, Consumer Money Market, Savings, and Health Savings Accounts.

Certificates of Deposits & IRAs: A penalty may be imposed for early withdrawal.

APY references Annual Percentage Yield

Disclosures and Current Rates Available Upon Request (877) 228-8001

Mortgage Rates

View our mortgage rates.

Commercial & Consumer Loans

Please call or stop by one of our many locations to talk with an experienced lender about our competitive loan rates.

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