Deposit Rates

Account typeMinimum
Opening
Deposit
Interest
Rate
Annual
Percentage
Yield
Certificates of Deposit or IRAs
182-Day$5000.20%0.20%
1-Year$5000.25%0.25%
18-Month$5000.35%0.35%
18-Month Variable IRA$1000.15%0.15%
2-Year$5000.35%0.35%
3-Year$5000.40%0.40%
5-Year$5000.55%0.55%
Money Market Accounts
Balance from $.01-$24,999.99$1,0000.05%0.05%
Balance from $25,000.00-$99,999.99$1,0000.10%0.10%
Balance from $100,000.00-$249,999.99$1,0000.20%0.20%
Balance from $250,000.00-$499,999.99$1,0000.25%0.25%
Balance from $500,000.00-$999,999.99$1,0000.30%0.30%
Balance $1,000,000 and higher$1,0000.35%0.35%
Health Savings Accounts
HSA checking$500.10%0.10%
NOW Accounts
$0.01-499.99$500.00%0.00%
$500 and higher$500.01%0.01%
My Ca$h Sta$h (Youth Accounts)
Statement Savings$50.08%0.08%
1-Year Certificate of Deposit$1000.25%0.25%
Club Accounts
Christmas Club$10.08%0.08%
Statement Savings
Balance from $.01-$49.99$500.01%0.01%
Balance from $50.00-$999.99$500.01%0.01%
Balance from $1,000.00-$49,999.99$500.03%0.03%
Balance $50,000 and higher$500.03%0.03%

Updated monthly or if rates change. Rates are subject to change at any time.

Rates effective as of 10/04/2021

  • HSA, Statement Savings, NOW, Money Market Accounts and the 18-month variable IRA all earn interest at a variable rate. The interest rate and annual percentage yield may change at any time at our discretion.
  • A penalty may be imposed for early withdrawal on CDs and IRAs.
  • Annual Percentage Yields are current as of posting.
  • CDs are also available as IRAs, with the exception of the 182-Day Certificate.
  • Fees could reduce the earnings on the account.
  • Stated minimum opening deposit is required to obtain APY*.

    *APY stands for Annual Percentage Yield.