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 12/12/2022

Featured Certificate of Deposits/IRAs

Terms/Name	Minimum Opening Deposit	Rate	APY*
7 Month Special CD/IRA	$1,000-49,999	2.50%	2.52%
7 Month Special CD/IRA	$50,000	3.20%	3.23%
11 Month Special CD/IRA	$1,000-49,999	2.70%	2.72%
11 Month Special CD/IRA	$50,000	3.50%	3.53%

*The Annual Percentage Yield (APY) for each certificate of deposit is effective 12/12/2022. The minimum balance required to open the account and obtain the stated APY is $50,000 and an 11-month term for the 3.53% APY; $50,000 and a 7-month term for the 3.23% APY; $1,000-$49,999 and an 11-month term for the 2.72% APY; and $1,000-$49,999 and a 7-month term for the 2.52% APY. Interest for each Certificate of Deposit account accrues semi-annually. Interest penalty for early withdrawal. 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	$1,000	0.20%	0.20%
182 Day	$1,000	0.30%	0.30%
12 Month	$1,000	0.50%	0.50%
18 Month	$1,000	0.70%	0.70%
24 Month	$1,000	0.80%	0.80%
36 Month	$1,000	0.90%	0.90%
48 Month	$1,000	1.00%	1.01%
60 Month	$1,000	1.20%	1.21%

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	0.01%	0.01%
50 Plus Interest Checking	$50	$0.00 & Over	0.01%	0.01%
Premier Interest Checking	$50	$0-$1,499.99	0.01%	0.01%
		$1,500.00 & Over	0.05%	0.05%

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	0.01%	0.01%
		$1,500.00 & Over	0.05%	0.05%

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%
		$100 & Over	0.01%	0.01%

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	0.00%	0.00%
		$2,500.00 - $24,999.99	0.01%	0.01%
		$25,000 - $49,999.99	0.05%	0.05%
		$50,000.00 & Over	0.20%	0.20%

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%
		$100.00 - $9,999.99	0.01%	0.01%
		$10,000.00 - $24,999.99	0.01%	0.01%
		$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.

**Certificate of Deposit: A penalty may or will be imposed for early withdrawal.

*APY - Annual Percentage Yield

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