Rates

Annual Percentage Yield (APY) Effective September 24, 2026.

In-House Specials - Certificates of Deposit

Term	Minimum Deposit to Open Account*	Interest Rate	Annual Percentage Yield (APY)*
91 day	$5,000	3.80%	3.85%
6 month	$5,000	3.75%	3.80%
11 month	$5,000	3.75%	3.80%
18 month	$5,000	3.80%	3.85%
24 month	$5,000	4.00%	4.06%

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)*

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%

Minimum deposit to open account $2,500
$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.