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.

Limited Time Rate Specials

CD Rate Specials

Terms/Name	Minimum Opening Deposit	Rate	APY*
4 Month Special	$1,000+ with checking account	4.63%	4.70%
4 Month Special	$1,000+ without checking account	4.53%	4.60%
7 Month Special	$1,000+ with checking account	4.35%	4.40%
7 Month Special	$1,000+ without checking account	4.15%	4.20%
11 Month Special	$1,000+ with checking account	4.15%	4.20%
11 Month Special	$1,000+ without checking account	4.06%	4.10%

*The Annual Percentage Yield (APY) for the CD rate specials are effective as of 11/4/2024. The minimum balance required to open the account and obtain the 4-Month Special stated APY is $1,000 new money with a checking account for the 4.70% APY or without a checking account for the 4.60% APY; the 7-Month Special stated APY is $1,000 new money with a checking account for the 4.40% APY or without a checking account for the 4.20% APY; the minimum balance required to open the account and obtain the 11-Month Special stated APY is $1,000 new money with a checking account for the 4.20% APY or without a checking account for the 4.10% APY. Depositors are 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