Interest Rates | Annual Percentage Yields (APY)

CD Specials	Effective December 16, 2025	Interest Rate	APY
13 Month Certificate of Deposit		3.75%	3.80%
25 Month Certificate of Deposit Minimum Deposit to open is $1,000		3.50%	3.55%

Account Type	Daily Ending Balance	Interest Rate	APY
Money Market * $2,500.00 minimum balance to open and maintain to avoid a maintenance fee $0.01 minimum to earn APY	Below $25,000.99	0.75%	0.75%
	$25,001.00 - $50,000.99	1.25%	1.25%
	$50,001.00 - $100,000.99	1.75%	1.76%
	$100,001.00 - $200,000.99	2.25%	2.27%
	$200,001.00 - $500,000.99	3.25%	3.30%
	$500,001.00 - and over	3.25%	3.30%

Account Type	Daily Range Balance	Interest Rate	APY
Tech Check $50.00 minimum balance to open This account is a bracketed account. This means that the portion of the account balance applicable to each tier will earn the corresponding interest rate for that tier.	Below $251.00	0.00%	0.00%
	$251.01 - $20,001.00	3.00%	3.04%
	$20,001.01 - and over	0.10%	0.10%

Account Type	Daily Ending Balance	Interest Rate	APY
NOW Checking* $750.00 minimum balance to open and maintain to avoid a maintenance fee.	$0.01 minimum to earn APY	0.10%	0.10%
Business Interest Bearing Checking* $750.00 minimum balance to open and maintain to avoid a maintenance fee.	$0.01 minimum to earn APY	0.10%	0.10%
Statement Savings Account $5.00 minimum balance to open	$50.00 minimum to earn APY	0.10%	0.10%
Christmas Club Maximum $10,000.00 Pays out the first week of October	$0.01 minimum to earn APY	2.50%	2.52%
Vacation Club Maximum $10,000.00 Pays out the first week of April	$0.01 minimum to earn APY	2.00%	2.02%

Account Type	Daily Ending Balance	Interest Rate	APY
Health Savings Account (HSA)	$0.00 - $1,000.99	0.25%	0.25%
	$1,001.00 - $2,500.99	0.35%	0.35%
	$2,501.00 - $5,000.99	0.45%	0.45%
	$5,001.00 - $10,000.99	0.55%	0.55%
	$10,001.00 - $25,000.99	0.65%	0.65%
	$25,001.00 - and over	0.75%	0.75%

Rates are subject to change at any time without prior notice.

Substantial Penalty may apply for early withdrawal on Certificates of Deposit

The Daily Balance Method applies a daily periodic rate to the principal in the account each day.

*Fees may reduce Earnings
**18 and 36 month CD's can also be Add-On CD's / IRA's

***APY - calculation based on quarterly compounding

#Scholastic CD, Add-on CD for 18 and Younger, $500 Minimum to Open, $100 Minimum to Deposit or Withdraw, No penalty for withdrawals for Education.

Interest Rates & Annual Percentage Yields (APY)