Deposit Rates

Effective: March 21, 2020

Savings Accounts

Account Type

Interest Rate

Annual Percentage Yield

Minimum Required

Savings

0.15%

0.15%

$100.00

Christmas Club

0.55%

0.55%

 

Vacation Club

0.55%

0.55%

 

1. Variable rate accounts

2. Fees may reduce earnings

3. Minimum balance required to obtain APY

4. APY may change - our discretion

Checking Accounts

Account Type

Interest Rate

Annual Percentage Yield

Minimum Required

Checking

0.10%

0.10%

$250.00

1. Variable rate accounts

2. Fees may reduce earnings

3. Minimum balance required to obtain APY

4. APY may change - our discretion

Money Market Accounts

Account Type

Interest Rate

Annual Percentage Yield

Minimum Required

Money Market Acct. -Tier 1

$0.00- $2,499.00

0.10%

0.10%

$500.00

Money Market Acct. -Tier 2

$2,500.00 - up

0.15%

0.15%

 $2,500.00

1. Variable rate accounts

2. Fees may reduce earnings

3. Minimum balance required to obtain APY

4. APY may change - our discretion

Individual Retirement Accounts

Account Type

Interest Rate

Annual Percentage Yield

Minimum Required

Early withdrawal Penalty 

Regular/Roth - 18 Month Certificate

0.90%

0.90%

$500.00

6 Months Interest

Education - 18 Month Certificate

0.90%

0.90%

$500.00

6 Months Interest

1. Variable rate accounts

2. APY may change - our discretion

3. Rate is subject to change at end of TERM

4. A withdrawal of interest may reduce earnings

5. Interest compounded Daily

Certificates of Deposit

Account Term

Interest Rate

Annual Percentage Yield

Minimum Required

Early withdrawal Penalty

91 Day

0.40%

0.40%

$2,500.00

91 Days Interest

6 Month

0.40%

0.40%

$1,000.00

6 Months Interest

1 Year

0.60%

0.60%

$500.00

3 Months Interest

18 Month

0.90%

0.90%

$500.00

6 Months Interest

2 Year

0.80%

0.80%

$500.00

6 Months Interest

 30 MONTH

 0.90%

0.90% 

 $500.00

18 Months Interest 

3 Year

0.95%

0.95%

$500.00

18 Months Interest

4 Year

1.05%

1.06%

$500.00

36 Months Interest

5 Year

1.20%

1.21%

$500.00

36 Months Interest

10 Year

1.50%

1.51%

$1,000.00

48 Months Interest

1. Variable rate accounts

2. APY may change - our discretion

3. Rate is subject to change at end of TERM

4. A withdrawal of interest may reduce earnings

5. Interest compounded Daily

 

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