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

Deposit & Consumer Rates

Click here for printer friendly version.

** Certificates of Deposit - tiered rates are without a deposit relationship / with a deposit relationship.

Current Deposit and Consumer Rates as of
Terms/Name Category Minimum Opening Deposit Balance Rate APY
91 Day CDs (Certificate of Deposit)** $1,000   0.05% / 0.10% 0.05% / 0.10%
182 Day CDs (Certificate of Deposit)** $1,000   0.05% / 0.10% 0.05% / 0.10%
9 Month CDs (Certificate of Deposit)** $1,000   0.40% / 0.60% 0.40% / 0.60% 
12 Month CDs (Certificate of Deposit)** $1,000   0.05% / 0.10% 0.05% / 0.10% 
13 Month CD (Certificate of Deposit)** $1,000   0.10% / 0.20% 0.10% / 0.20%
13 Month CD (Certificate of Deposit)** $10,000   0.10% / 0.30% 0.10% / 0.30%
13 Month CK (Certificate of Deposit)** $30,000   0.20% / 0.40% 0.20% /  0.40%
18 Month CDs (Certificate of Deposit)** $1,000    0.20% / 0.30%  0.20% / 0.30% 
19 Month CDs (Certificate of Deposit)** $1,000   0.90% / 1.10% 0.90% / 1.10% 
24 Month CDs (Certificate of Deposit)** $1,000    0.20% / 0.30%  0.20% / 0.30% 
36 Month CDs (Certificate of Deposit)** $1,000    0.80% / 1.00%  0.80% / 1.00% 
39 Month CDs (Certificate of Deposit)** $1,000   1.20% / 1.40% 1.20% / 1.41% 
48 Month CDs (Certificate of Deposit)** $1,000   0.90% / 1.10% 0.90% / 1.10%
60 Month CDs (Certificate of Deposit)** $1,000   1.10% / 1.30% 1.10% / 1.30%
First Rate Checking Personal Checking Account $100 $0.00-$24,999.99 (A) 0.75% 0.75%
  Personal Checking Account   $25,000 & above (A) 0.01% 0.01%
First Class Checking Personal Checking Account $100 $0-$999.99 0.00% 0.00%
  Personal Checking Account   $1,000.00 - $24,999.99 0.05% 0.05%
  Personal Checking Account   $25,000.00 and over 0.05% 0.05%
Passbook Savings Savings Account $100 $100 0.05% 0.05%
NOW Account Personal Checking Account $100 $1,000 0.05% 0.05%
Bankers Investment Savings Savings Account $10,000 $0.00 - $2,499.99 0.00% 0.00%
  Savings Account   $2,500.00 to $9,999.99 0.34% 0.34%
  Savings Account   $10,000.00 and over 0.67% 0.67%
First Choice Money Market Money Market Account $2,500 $0.00 to $2,499.99 0.00% 0.00%
  Money Market Account   $2,500.00 to $4,999.99 0.05% 0.05%
  Money Market Account   $5,000.00 to $9,999.99 0.05% 0.05%
  Money Market Account   $10,000.00 to $24,999.99 0.05% 0.05%
  Money Market Account   $25,000.00 to $49,999.99 0.05% 0.05%
  Money Market Account   $50,000.00 and over 0.10% 0.10%
Health Savings Account Personal Checking Account $100 $100.00 to $999.99 0.01% 0.01%
  Personal Checking Account   $1,000.00 to $9,999.99 0.05% 0.05%
  Personal Checking Account   $10,000.00 - $24,999.99 0.05% 0.05%
  Personal Checking Account   $25,000.00 and over 0.10% 0.10%
Business Analysis Plus Checking Business Checking Account $0.00 $0.00 to $999.99 0.00% 0.00%
  Business Checking Account   $1,000.00 to $49,999.99 0.05% 0.05%
  Business Checking Account   $50,000.00 to $99,999.99 0.10% 0.10%
  Business Checking Account   $100,000.00 and over 0.10% 0.10%

Rates are subject to change without notice.

For interest bearing checking, money markets, statement savings, and Banker Investment savings, interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (average collected balance). Average collected balance applies a periodic rate to the full amount of principal in the account each day. Fees may affect earnings.

Rates may change on Variable Rate Accounts after the account is opened. Variable rate accounts include: First Class Checking, Bankers Investment Savings, First Choice Money Market, Health Savings Accounts and Passbook Savings Accounts. For additional information, terms and conditions of the accounts listed on this rate sheet you may call 877-228-8001 during normal business hours.

*The Bankers Investment Savings rate is tied to the average 91 day Treasury Bill for the previous month as published in the Federal Reserve Bank H. R. 10 Bulletin.

** A fee may be imposed for early withdrawal.

***Annual Percentage Yield

(A)  Interest rates and (APY) are effective as of 08/01/2016 for First Rate Checking and may change after the account is opened.  No minimum balance is required to receive interest.  An APY of 0.75% with an interest rate of 0.75% will be paid on balances up to $25,000.  To earn this APY, the account terms require the owner to make 10 debit card transactions a statement cycle (excludes ATM transactions), receive their statement electronically, access internet banking once during a statement cycle, and have a third party direct deposit monthly.  A 0.01% APY will be paid on balances higher than $25,000.  If these requirements are not met, ATM fees will not be refunded, there is no monthly fee, but the 0.01% APY will be paid on the balance for that statement cycle.  Fees may reduce earnings.  You may receive up to $12.50 in ATM fee refunds if requirements are met.  A deposit of $100 is required to open the account.  Available to personal accounts only.

Disclosures Available Upon Request

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.