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Depositrates

Great rates so your money works harder!

Deposit Rates

Annual Percentage Yields (APY) & Interest Rates

Checking/Savings APY & Interest Rates

Rates as of 12/18/2017
Account Type Minimum Balance Interest Rate % APY %
Christmas Club $5.00 .25 .25
Savings** $100.00 .10 .10
Now Account** $1,000.00 .05 .05
Super Now** $2,500.00 .10 .10

**This is a Variable Rate Account.  The interest rate and annual percentage yield may change after the account is opened. 

Click here for more information on checking or savings accounts. 

Investor Savings APY & Interest Rates

Rates as of 12/18/2017
Minimum Balance Interest Rate % APY %
$0 - $24,999 .10 .10
$25,000 - $49,999 .20 .20
$50,000 - $99,999 .25 .25
$100,000 - $199,999 .30 .30
$200,000 and over .40 .40

Click here for more information.

Money Market Account APY & Interest Rates

Rates as of 12/18/2017
Minimum Balance Interest Rate % APY %
$2,500 - $24,999 .10 .10
$25,000 - $99,999 .20 .20
$100,000 and over .25 .25

Click here for more information. 

Health Savings Account APY & Interest Rates

Rates as of 12/18/2017
Account Balance Interest Rate % APY %
$0 - $9,999 .15 .15
$10,000 and over .20 .20

Click here for more information. 

CDs & Fixed Rate IRAs APY & Interest Rates

Rates as of 12/18/2017
Minimum Deposit $1,000 $50,000 $100,000
Term Length Interest Rate % APY % Interest Rate % APY % Interest Rate % APY %
30 Days .15 .15 .20 .20 .25 .25
91 Days .20 .20 .25 .25 .30 .30
182 Days .25 .25 .30 .30 .35 .35
12 Months* .45 .45 .50 .50 .55 .55
24 Months* .60 .60 .65 .65 .70 .70
36 Months* .90 .90 .95 .95 1.00 1.00
48 Months* 1.15 1.16 1.20 1.21 1.25 1.26
60 Months* 1.50 1.51 1.55 1.56 1.60 1.61

*$500 minimum deposit for CD\term 1-2-3-4-5 years. Annual percentage yield same as $1,000 CD. Interest is compounded & paid quarterly, except for 30 to 90 day maturity. Funds withdrawn prior to maturity are penalized.

Penalty for early withdrawal:

  • 90 days of interest-Maturity of 1 yr or less
  • 182 days of interest-Maturity of more than 1 yr through 36 months
  • 365 days of interest-Maturity greater than 36 months

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Passbook Individual Retirement Accounts

Rates as of 12/18/2017
Minimum Balance Rate % APR %
$1,000 .10 .10
$50,000 .20 .20
$100,000 .30 .30

*This is a variable rate account. The interest rate and annual percentage rate may change after the account is opened.

SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL

Your earnings on these accounts may be reduced by fees charged.

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