Rates
Deposit Rates
| Product | Interest Available | Minimum Deposit | Interest Rate | APY* |
|---|---|---|---|---|
| Rewards Checking** | Monthly | $100-$15,000 | 3.25% | 3.30% |
| Monthly | $15,000.01+ | .55% | .55% | |
| Rewards Checking** (Non-Qualifying) | Monthly | $ 100+ | .05% | .05% |
| Interest Checking | Monthly | $ 1,000.00 | .25% | .25% |
| Real Saver*** | Monthly | $100-$15,000 | 1.01% | 1.01% |
| Monthly | $15,000.01+ | .55% | .55% | |
| Real Saver*** (Non-Qualifying) | Monthly | $100+ | 05% | .05% |
| Regular Savings | 2/1 & 8/1 | $100.00 | .55% | .55% |
| Money Market | Monthly | $ 2,500.00-24,999 | .45% | .45% |
| Monthly | $25,000.00-49,999 | .50% | .50% | |
| Monthly | $50,000.00-99,999 | .55% | .55% | |
| Monthly | $100,000.00+ | .85% | .85% | |
| Christmas Club | Maturity | $1.00 | 1.00% | 1.00% |
*APY = Annual Percentage Yield.
**Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of 4/17/11.
Rate tiers are as follows: 3.30% APY applies to balances of $100 - $15,000 and 0.55% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to balances over $100 if monthly qualifications are not met. All balances will earn 3.30% APY – 0.55% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.
Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one to five business days from the transaction date to post to an account from the date the transaction is made. Debit card transactions must be point of sale transactions. Intra-bank transfers do not count as qualifying ACH transactions. ATM withdrawals do not count towards qualifying debit card transactions. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle.
***Minimum to open Rewards Checking account is $100 and $100 for Real Saver. Annual Percentage Yield (APY) accurate as of 4/17/11.
Rewards Checking rate tiers are as follows: 3.30% APY applies to balances of $100 - $15,000 and 0.55% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 3.30% APY - 0.55% APY if qualifications are met.
Qualifying transactions must post and clear the Rewards Checking account during the monthly qualification cycle. Transactions may take one to five business days from the transaction date to post to an account from the date the transaction is made. Debit card transactions must be point of sale transactions. Intra-bank transfers do not count as qualifying ACH transactions. ATM withdrawals do not count towards qualifying debit card transactions. ATM Fee reimbursements (Rewards Checking account only) provided only if qualifications are met within the monthly qualification cycle.
Real Saver rate tiers are as follows: 1.01% APY applies to balances of $0.01 - $15,000 and 0.55% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle on the Rewards Checking account. 0.05% APY applies to all balances if qualifications are not met on the Rewards Checking account. All balances will earn 1.01% APY – 0.55% APY if qualifications are met on the Rewards Checking account. Rates may change after the account is opened. Fees may reduce earnings.
Certificates of Deposit
| Term | Interest Available | Minimum Deposit | Interest Rate | APY* |
|---|---|---|---|---|
| 30 Days | Monthly | $500.00 | .35% | .35% |
| 3 Months | Monthly | $500.00 | .35% | .35% |
| 6 Months | Monthly | $500.00 | .50% | .50% |
| 1 Year | Monthly | $500.00 | .80% | .80% |
| 18 Months | Monthly | $500.00 | .90% | .90% |
| 2 Years | Monthly | $500.00 | 1.10% | 1.11% |
| 2 1/2 Years | Monthly | $500.00 | 1.34% | 1.35% |
| 3 Years | Monthly | $500.00 | 1.40% | 1.41% |
| 4 Years | Monthly | $500.00 | 1.85% | 1.87% |
| 5 Years | Monthly | $500.00 | 2.10% | 2.12% |
*APY = Annual Percentage Yield
All rates effective December 27, 2011. Rates are subject to change weekly, and without notice. A penalty will be imposed for early withdrawal. **We are not accepting financial institution's deposits at this time.**
IRAs
| Rate Type | Minimum Deposit | Interest Rate | APY* |
|---|---|---|---|
| Variable Rate | $100.00 | 0.75% | 0.75% |
| Fixed Rate* | $500.00 |
*CD rates apply to fixed IRA accounts.
*APY = Annual Percentage Yield.
Rates effective as of July 16, 2011. Rates are subject to change weekly, and without notice. A penalty may be imposed for early withdrawal, where applicable.
Real Estate Loans
Normal closing costs apply. Subject to credit approval. Other rates and programs are available. Please contact a loan officer at 282-3861 for additional information.
Consumer / Business / Non-Personal Loans
Rates vary according to terms and conditions of the loan. Please contact a loan officer at 282-3861 for additional information.
