Deposit Rates

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Rates effective 7/1/2024

Rates Subject to Change Without Notice

 

Certificate of Deposit Specials

Term Interest Rate APY1 Minimum Balance to Open
10 Month CD2 4.94 5.05 $500

 $10 minimum balance to earn APY.   Please Note: Fees could reduce earnings on these accounts. With fixed-rate term accounts, rates are guaranteed for length of term.   Early withdrawal penalties may be imposed for withdrawals from certificates of deposit before maturity.

1 Annual Percentage Yield

2 Accounts will renew to a 9 month certificate of deposit at the then current interest rate

 

Certificates of Deposit

Term Interest Rate APY* Minimum Balance to Open
3 Month CD 0.15 0.15 $500
6 Month CD 0.25 0.25 $500
9 Month CD 1.00 1.00 $500
13 Month CD1 1.00 1.00 $500
15 Month CD1 1.00 1.00 $500
1 Year CD 0.40 0.40 $500
18 Month CD 0.50 0.50 $500
2 Year CD 0.50 0.50 $500
3 Year CD 0.50 0.50 $500
5 Year CD 0.50 0.50 $500
Save$um CD 0.50 0.50 $250

 

*Annual Percentage Yield

$10 minimum balance to earn APY.

Please Note: Fees could reduce earnings on these accounts. With fixed-rate term accounts, rates are guaranteed for length of term. 

Early withdrawal penalties may be imposed for withdrawals from certificates of deposit before maturity.

1 Accounts will renew to a 12 month certificate of deposit at the then current interest rate.

IRAs

Term Interest Rate APY* Minimum Balance to Open
6 Month IRA 0.25 0.25 $500
9 Month IRA 1.00 1.00 $500
1 Year IRA 0.40 0.40 $500
13 Month IRA1 1.00 1.00 $500
15 Month IRA1 1.00 1.00 $500
18 Month IRA 0.50 0.50 $500
2 Year IRA 0.50 0.50 $500
3 Year IRA 0.50 0.50 $500
5 Year IRA 0.50 0.50 $500

 

*Annual Percentage Yield

$10 minimum balance to earn APY.

Please Note: Fees could reduce earnings on these accounts. With fixed-rate term accounts, rates are guaranteed for length of term. 

Early withdrawal penalties may be imposed for withdrawals from IRA certificates of deposit before maturity.

1 Accounts will renew to a 12 month IRA certificate of deposit at the then current interest rate.

Savings & Money Market

 Type Interest Rate APY* Minimum Balance to Earn APY*
Transactional Statement Savings 0.01 0.01 $10
Club Savings 0.01 0.01 $10
IRA Statement Savings 0.01 0.01 $10
Solutions Money Market**(Tier 1) 0.75 0.75 $10 - $99,999.99 (Variable Rate)
Solutions Money Market**(Tier 2) 1.50 1.50 $100,000 or more (Variable Rate)
Xtreme Money Market**(Tier 1) 0.05 0.05 $10 - $2,499.99 (Variable Rate)
Xtreme Money Market**(Tier 2) 0.50 0.50 $2,500 - $49,999.99 (Variable Rate)
Xtreme Money Market**(Tier 3) 1.00 1.00 $50,000 or more (Variable Rate)

 

 $10 minimum balance to earn APY.

*Annual Percentage Yield
**You must deposit $2,500.00 to open this account. Solutions Money Market rate effective 8/19/2022.

Please Note: Fees could reduce earnings on these accounts. Rates on variable rate accounts may change after the account is opened.

Checking

 Type Interest Rate APY* Minimum Balance to Earn APY*
Direct Free Interest Checking 0.02 0.02 $10
Fabulous 50 Free Interest Checking 0.02 0.02 $10
Premium Interest Checking (Tier 1) 0.01 0.01 $10 - $2,499.99
Premium Interest Checking (Tier 2) 0.05 0.05 $2,500 or more
18/65 Checking 0.01 0.01 $10

*Annual Percentage Yield

Please Note: Fees could reduce earnings on these accounts. Rates on variable rate accounts may change after the account is opened.

Business Checking & Savings

 Type Interest Rate APY* Minimum Balance to Earn APY*
Business Interest Checking 0.01 0.01 $10
Statement (Tier 1) 0.05 0.05 $10 - $4,999.99
Statement (Tier 2) 0.10 0.10 $5,000 or more
Business Money Market** (Tier 1) 0.05 0.05 $10 - $2,499.99 (Variable Rate)
Business Money Market** (Tier 2) 0.10 0.10 $2,500 or more (Variable Rate)
Xtreme Business Money Market**(Tier 1) 0.50 0.50 $0 - $249,999.99 (Variable Rate)
Xtreme Business Money Market**(Tier 2) 1.00 1.00 $250,000.00 - $499,999.99 (Variable Rate)
Xtreme Business Money Market**(Tier 3) 2.47 2.50 $500,000.00 - $999,999.99 (Variable Rate)
Xtreme Business Money Market**(Tier 4) 4.17 4.25 $1,000,000.00 or more (Variable Rate)

 

 $10 minimum balance to earn APY.

*Annual Percentage Yield
**You must deposit $2,500.00 to open this account

Please Note: Fees could reduce earnings on these accounts. Rates on variable rate accounts may change after the account is opened.