| Savings & Checking | Minimum to Earn Rate |
Rate ¹ | APY ² |
|---|---|---|---|
| Regular Savings | $25 | 0.06% | 0.06% |
| Life Savings | $25 | 0.03% | 0.03% |
| Money Market: | |||
| Balance $ 0 – $ 499.99 | $n/a | 0.00% | 0.00% |
| Balance $500 – $ 2,499.99 | $500 | 0.05% | 0.05% |
| Balance $2,500 – $ 9,999.99 | $2,500 | 0.07% | 0.07% |
| Balance $10,000 + | $10,000 | 0.15% | 0.15% |
| Checking Plus | $500 | 0.03% | 0.03% |
| Business Checking Plus | $500 | 0.03% | 0.03% |
| IRA Deposit (Traditional, Roth, Coverdell) | $n/a | 0.15% | 0.15% |
| Club Account ³ (Christmas, Vacation) | $25 | 0.03% | 0.03% |
| Mortgage Escrow | $n/a | 0.17% | 0.17% |
| – | |||
| Share Certificates ³ | Minimum Deposit |
Rate ¹ | APY ² |
| 90 Day | $1,000 | 0.15% | 0.15% |
| 06 Month | $500 | 0.20% | 0.20% |
| 12 Month | $500 | 0.35% | 0.35% |
| 18 Month | $500 | 0.50% | 0.50% |
| 24 Month | $500 | 0.70% | 0.70% |
| 30 Month | $500 | 0.90% | 0.90% |
| 36 Month | $500 | 1.15% | 1.15% |
| 48 Month | $500 | 1.55% | 1.56% |
| 13 Month, 14 Month (Retired CD Specials) | $3,000 | 0.20% | 0.20% |
| – | |||
| IRA Certificates ³ | Minimum Deposit |
Rate ¹ | APY ² |
| 12 Month – Traditional, Roth or Coverdell | $1,000 | 0.30% | 0.30% |
| 30 Month – Traditional, Roth or Coverdell | $1,000 | 0.85% | 0.85% |
| 48 Month – Traditional or Roth | $1,000 | 1.50% | 1.51% |
| 14 Month (Retired CD Special) | $3,000 | 0.20% | 0.20% |
¹ Rates subject to change any time without notice, and may change after account is opened.
² APY = Annual Percentage Yield
³ Penalties apply for early withdrawal
Rates effective as of January 1, 2020