Rates

Interest Rates & Annual Percentage Yields are current as of 
January 11th, 2024.

Financial Calculators

 
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Account ProductInterest RateAPYaMinimum Opening DepositAccount RequirementsInterest Compounding & Crediting

Free Checking

0.00%

0.00%

$100.00

  • No minimum balance
  • No monthly maintenance fee

None

Basic Interest Checking*

0.05%

0.05% 

$200.00

  • $200 minimum balance
  • $5 monthly maintenance fee & $.20 per debit if balance drops below $200 any day during your monthly statement cycle

Monthly

Advantage Checking*  

$100.00   

  • $10,000 minimum balance in total consumer deposits and/or loans outstanding
  • $10 monthly maintenance fee if combined balance drops below $10,000 any day during your monthly statement cycle

Monthly

   
Daily Balance of:

Up to $49,999.99

0.05%

0.05%

$50,000.00-99,999.99

0.10%

0.10%

$100,000.00 & up

0.20%

0.20% 

Primetime Checking*  

$100.00      

  • Available to those age 50 or older
  • $1,500 minimum balance in total consumer deposits
  • $10 monthly maintenance fee if total deposits drop below $1,500 any day during your monthly statement cycle

Monthly

Daily Balance of:

Up to $24,999.99

0.05%

0.05% 

$25,000.00-49,999.99

0.10% 

0.10% 

$50,000.00-99,999.99

0.15% 

0.15% 

$100,000.00-249,999.99

0.20% 

0.20% 

$250,000.00 & up

0.30% 

0.30% 

Health Savings Account*

 1.00%

1.00% 

 $0.00

  • Must meet HSA qualifications
  • No minimum balance
  • No monthly maintenance fee 

 Monthly

Prestige Savings*  

$50.00

  • $50 minimum balance
  • $5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle
   

Quarterly     

Daily Balance of:

Up to $24,999.99

 0.05%

0.05% 

$25,000.00-49,999.99

0.10%

0.10% 

$50,000.00-99,999.99

0.15% 

0.15% 

$100,000.00 & up

0.25% 

0.25% 

Primetime Savings* 

$50.00     

  • Available to those age 50 or older
  • $50 minimum balance
  • $1,500 minimum balance in total consumer deposits ¹
  • $5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle
  

Quarterly 

    

Daily Balance of:

Up to $49,999.99

0.15% 

0.15% 

$50,000.00-99,999.99

0.25% 

0.25% 

$100,000.00-249,999.99

0.30% 

0.30% 

$250,000.00 & up

0.40% 

0.40% 

Blue Chip MMDA* 

$25,000.00     

  • $25,000 minimum balance
  • $10 monthly maintenance fee if balance drops below $25,000 any day during your monthly statement cycle
  

Monthly

    

Daily Balance of:

Up to $24,999.99

0.90% 

0.90% 

$25,000.00-99,999.99

1.10% 

1.10% 

$100,000.00-249,999.99

1.30% 

1.31% 

$250,000.00 & up

1.50% 

1.51% 

Young Ones Savings*

 0.30%

 0.30%

$10.00 

  • No minimum balance
  • No monthly service charge ²

 

Certificates of Deposit** & IRAs**     

3 Month

0.10% 

0.10% 

$1,000.00 

$1,000 Minimum Balance 

At Maturity 

6 Month

0.20% 

0.20% 

$1,000.00 

$1,000 Minimum Balance 

At Maturity 

12 Month

0.25%

0.25% 

$1,000.00 

$1,000 Minimum Balance 

Semi-annually 

24 Month

0.35% 

0.35% 

$1,000.00 

$1,000 Minimum Balance 

Semi-annually 

36 Month

0.50% 

0.50% 

$1,000.00 

$1,000 Minimum Balance 

Semi-annually 

48 Month

0.60%

0.60%

$1,000.00

$1,000 Minimum Balance

Semi-annually

18 Month Add-on IRA only

0.40% 

0.40% 

 $100.00

$100 Minimum Balance 

Semi-annually 

7 Month Special

5.02%

5.07%

$5,000.00

$5,000 Minimum Balance

At Maturity

17 Month Special

4.25%

4.30%

$5,000.00

$5,000 Minimum Balance

Semi-annually

ª Annual Percentage Yield

¹ To maintain Primetime Club membership

² This account is available to anyone 17 years old or younger 

*The interest rate and annual percentage yield may change after opening

**A penalty may be imposed for early withdrawal

Fees could reduce earnings on the account

Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

 

 

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