Interest Accounts
Annual Percentage Yield (APY) is effective as of 2/23/2026. Interest Rates are Subject to Change without notice. Interest Rate may change after Account Opening.
| Account Type | Minimum Balance to Open | Minimum Balance to Earn Interest | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
| NOW Checking* *Not Available for Commercial Customers | $25 | $1,000 | 0.05% | 0.05% |
| Statement Savings | $25 | $25 | 0.08% | 0.08% |
Personal Money Market
| Daily Balance Range | Minimum Balance to Open | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Equal to or greater than $0.01 but less than $2,500 | $25 | 0.05% | 0.05% |
| Equal to or greater than $2,500 | $25 | 0.10% | 0.10% |
Personal Tiered Money Market
| Account Type | Daily Balance Range | Minimum Balance to Open | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
| Tier 1 | Equal to or greater than $0.01 but less than $2,500 | $25 | 0.05% | 0.05% |
| Tier 2 | Equal to or greater than $2,500 but less than $10,000 | $25 | 0.45% | 0.45% |
| Tier 3 | Equal to or greater than $10,000 but less than $25,000 | $25 | 0.50% | 0.50% |
| Tier 4 | Equal to or greater than $25,000 but less than $50,000 | $25 | 0.55% | 0.55% |
| Tier 5 | Equal to or greater than $50,000 but less than $100,000 | $25 | 0.70% | 0.70% |
| Tier 6 | Equal to or greater than $100,000 but less than $250,000 | $25 | 0.90% | 0.90% |
| Tier 7 | Equal to or greater than $250,000 | $25 | 1.88% | 1.90% |
Certificates of Deposit and Individual Retirement Accounts
Penalty for early withdrawal may apply.
| Account Term | Minimum Balance to Open | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 6 Month CD & IRA | $1,000 | 3.57% | 3.60% |
| 10 Month CD & IRA | $500 | 3.51% | 3.55% |
| 12 Month CD & IRA | $500 | 3.47% | 3.50% |
| 15 Month CD & IRA | $500 | 3.56% | 3.60% |
| 18 Month CD & IRA | $500 | 2.88% | 2.90% |
| 24 Month CD | $500 | 2.63% | 2.65% |
| 24 Month IRA | $500 | 3.72% | 3.75% |
| 36 Month CD Not available for IRA | $500 | 2.73% | 2.75% |
| 48 Month CD Not available for IRA | $2,500 | 2.73% | 2.75% |
| 60 Month CD & IRA | $2,500 | 2.73% | 2.75% |
| 84 Month CD & IRA | $2,500 | 2.98% | 3.00% |