Interest Rates & Annual Percentage Yields (APY)

Account Type Daily Ending Balance Interest Rate APY

Money Market *

$2,500.00 minimum balance to open and avoid a maintenance fee

$0.01 minimum to earn APY

$0.01 - $2,500.99 0.25% 0.25%
$2,501.00 - $10,000.99 0.40% 0.40%
$10,001.00 - $25,000.99 0.50% 0.50%
$25,001.00 - $50,000.99 0.75% 0.75%
$50,001.99 - $100,000.99 1.00% 1.00%
$100,001.00 - $200,000.99 1.10% 1.11%
$200,001.00 - and over 1.20% 1.21%
Business Money Market $200,001.00 - and over 1.25% 1.26%
Account Type Daily Ending Balance Interest Rate APY

NOW Checking*

$750.00 minimum balance to open and avoid a maintenance fee.

$0.01 minimum to earn APY 0.25% 0.25%

Business Interest Bearing Checking*

$750.00 minimum balance to open and avoid a maintenance fee.

$0.01 minimum to earn APY 0.25% 0.25%

Health Savings Account (HSA)

$50.00 minimum balance to open.

$0.01 minimum to earn APY 0.25% 0.25%

Savings Account

$5.00 minimum balance to open

$50.00 minimum to earn APY 0.25% 0.25%

Christmas Club

Maximum $7,500.00

$0.01 minimum to earn APY 0.35% 0.35%

Certificates of Deposit

Minimum deposit $1,000/Term Interest Rate APY***
91 days 0.75% 0.75%
182 days 1.20% 1.21%
9 month 1.30% 1.31%
12 month 1.50% 1.51%
13 month**** 2.10% 2.12%
18 month** 1.60% 1.61%
24 month 1.80% 1.81%
25 month**** 2.25% 2.27%
30 month 2.00% 2.02%
36 month** 2.20% 2.22%
48 month 2.40% 2.42%
60 month 2.50% 2.52%

IRA Certificate of Deposit

Minimum deposit $250/Term Interest Rate APY***
182 days 1.20% 1.21%
12 month 1.50% 1.51%
13 month**** 2.10% 2.12%
18 month** 1.60% 1.61%
24 month 1.80% 1.81%
25 month**** 2.25% 2.27%
30 month 2.00% 2.02%
36 month** 2.20% 2.22%
48 month 2.40% 2.42%
60 month 2.50% 2.52%

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 ($100,000 Maximum for Add-On)
***APY - calculation based on quarterly compounding
****$10,000 minimum deposit to open

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