Effective: 12/3/2021

Certificates of Deposit

TermInterest Rate
APY*Minimum to Open and Obtain APY
3 Month
0.10%0.10%$1000
6 Month0.15%0.15%$1000
12 Month0.20%0.20%$500
18 Month0.25%0.25%$500
24 Month CD Special0.59%0.60%$500
36 Month0.34%0.35%$500
48 Month0.39%0.40%$500
60 Month0.44%0.45%$500

*APY = Annual Percentage Yield. Penalty may be applied for early withdrawal.

Certificate terms for 6 months and above are available for IRA accounts. For IRAs consult your tax advisor.

Money Market Checking and Tiered Statement Savings

Checking and Savings AccountsInterest RateAPY*Minimum Opening BalanceMinimum to
Obtain APY
Money Market Checking**0.10%0.10%$1000$5.00
Tiered Statement Savings$5.00
0.05%0.05%$0.00 - $999.99
0.05%0.05%$1,000.00 - $24,999.99
0.05%0.05%$25,000.00 - $49,999.99
0.10%0.10%$50,000.00 - $99,999.99
0.10%0.10%$100,000.00 - $149,999.99
0.15%0.15%$150,000.00 and over

Tiered Statement IRA Savings accounts are also available as the same as the Tiered Statement Savings.

*APY — Annual Percentage Yield. Fees may reduce earnings.

**Money Market Checking – a maintenance charge of $5.00 will be imposed every month if the daily balance on any day of the statement cycle falls below $1,000.00, Minimum check amount $250.00. Money Market Checking and statement savings are variable rate accounts; rates are subject to change at any time at our discretion and may change after account opening. Minimum to open is $5.00.

Amendment to transaction limitations: effective 5/1/20, the Board of Governors of the Federal Reserve System have amended its Regulation D to allow depository institutions to immediately suspend enforcement of the six-per-month transfer limitation from savings deposits. Until further notice, your Money Market account will not be subject to these transaction limitations per month or statement cycle.