Rates
Annual Percentage Yield (APY) Effective April 3, 2025.
In-House Specials - Certificates of Deposit
| Term |
Minimum Deposit to Open Account* |
Interest Rate |
Annual Percentage Yield (APY)* |
| 7 month |
$5,000 |
4.10% |
4.16% |
| 10 month |
$5,000 |
4.00% |
4.06% |
| 15 month |
$5,000 |
3.90% |
3.96% |
| 20 month |
$5,000 |
3.60% |
3.65% |
Certificates of Deposit (CDs)
| Term |
Minimum Deposit to Open Account* |
Interest Rate |
Annual Percentage Yield (APY)* |
| 30 day |
$5,000 |
0.05% |
0.05% |
| 91 day |
$5,000 |
0.05% |
0.05% |
| 6 month |
$5,000 |
0.15% |
0.15% |
| 12 month |
$5,000 |
0.25% |
0.25% |
| 18 month |
$5,000 |
0.30% |
0.30% |
| 24 month |
$5,000 |
0.50% |
0.50% |
| 30 month |
$5,000 |
0.75% |
0.75% |
| 36 month |
$5,000 |
1.25% |
1.26% |
| 42 month |
$5,000 |
1.50% |
1.51% |
| 48 month |
$5,000 |
1.75% |
1.76% |
| 60 month |
$5,000 |
2.00% |
2.02% |
| Growing Tree 24 month** |
$100 |
1.50% |
1.51% |
Individual Retirement Accounts (IRAs)
| Term |
Minimum Deposit to Open Account* |
Interest Rate |
Annual Percentage Yield (APY)* |
| 12 month |
$2,500 |
0.25% |
0.25% |
| 18 month |
$2,500 |
0.30% |
0.30% |
| 24 month |
$2,500 |
0.50% |
0.50% |
| 30 month |
$2,500 |
0.75% |
0.75% |
| 36 month |
$2,500 |
1.25% |
1.26% |
| 42 month |
$2,500 |
1.50% |
1.51% |
Interest on CDs and IRAs accrue daily and is compounded quarterly.
* The minimum to open is the minimum balance to obtain the APY.
** Additional deposits can be made anytime in increments of $25.
A penalty may be imposed for early withdrawal. Call or visit a customer service representative for more details.
Money Market Deposit Account (MMDA)*
Minimum deposit to open account $2,500
| Tier |
Amount |
Rate |
APY |
| 1 |
$1,000 - $2,499.99 |
0.02% |
0.02% |
| 2 |
$2,500 - $19,999.99 |
0.02% |
0.02% |
| 3 |
$20,000 - $49,999.99 |
0.05% |
0.05% |
| 4 |
$50,000 and over |
0.10% |
0.10% |
$1,000 minimum to earn interest. interest accrues daily and is compounded monthly.
NOW Accounts*
| |
Minimum Deposit to Open Account |
Rate |
APY |
| NOW |
$500 |
0.01% |
0.01% |
| Safekeeping Now |
$500 |
0.01% |
0.01% |
$1,000 minimum to earn interest. interest accrues daily and is compounded monthly.
Savings Account*
| |
Minimum Deposit to Open Account |
Rate |
APY |
| Statement Savings |
$100 |
0.05% |
0.05% |
| Christmas Club |
$5 |
0.05% |
0.05% |
$250 minimum for Statement Savings to earn interest. interest accrues daily and is compounded quarterly.
$5 minimum for Christmas Club to earn interest. Interest accrues daily and compounded annually.
* The interest rate varies and may change after the account is opened.
* Fees could reduce the earnings on an account.
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