Rates

CD/IRA RATES

Regular CD
Term Interest Rate APY
Less than 91 days 0.15
91 day 0.15 0.15
182 day 0.30 0.30
12 mo. 0.50 0.50
24 mo. 0.60 0.60
36 mo. 1.00 1.00
(The APY’s for CD’s listed above for 1 year or more are based on interest being paid at least annually)
IRA and SEP
Term Interest Rate APY
6 mo. 0.35 0.35
18 mo. 0.55 0.55
36 mo. 1.00 1.00
(Yield Depends on Term)
Jumbo $100,000+
Term Interest Rate APY
6 mo. 0.30 0.30
12 mo. 0.50 0.50
Specials (Interest Paid Annually)
Term Interest Rate APY
08 mo. 0.40 0.40
16 mo. 0.60 0.60
19 mo. 0.65 0.65
28 mo. 0.70 0.70
CERTIFICATE OF DEPOSIT and IRA RATES Effective 01/22/2015. Rates subject to change without notice. Annual Percentage Yield is Accurate as of 01/22/2015. A Penalty May Be Applied On Funds Withdrawn Prior to the Maturity Date. If an early withdrawal penalty is applied, your earnings will be reduced. “Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding. “APY” (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.

 

SAVINGS

 

Balance Interest Rate APY
0 to $24,999.99 0.25 0.25
$25,000 to $49,999.99 0.25 0.25
$50,000 or more 0.30 0.30
3 Withdrawals per Quarter No Charge
More than 3 withdrawals in a quarter $7.50 per withdrawal
If average balance falls below $100 during the quarter $5.00
Interest Rate APY
Christmas Club 0.25 0.25
No withdrawals are permitted from Christmas Club Accounts prior to the pay out date in November. The entire balance may be withdrawn and no interest will be paid on the account.

Effective 03/12/12. The Annual Percentage Yield is Accurate as of 03/12/12. Rates subject to change without notice.“Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding.“APY” (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.

Money Market and Now Accounts

 

Account Type Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate APY
Money Market $2,500.00 $0.01
Daily Balances of:
up to $24,999.99 0.15% 0.15%
$25,000.00-$49,999.99 0.25% 0.25%
$50,000.00-$99,999.99 0.30% 0.30%
$100,000.00-$249,999.99 0.40% 0.40%
$250,000.00 and up 0.50% 0.50%
NOW Account $1,500.00 $0.01
Daily Balances of:
up to $2,499.99 0.10% 0.10%
$2,500.00-$24,999.99 0.15% 0.15%
$25,000.00-$49,999.99 0.25% 0.25%
$50,000.00-$99,999.99 0.30% 0.30%
$100,000.00 and up 0.40% 0.40%

Applicable to Money Market Accounts: If more than six pre-authorized withdrawals, automatic transfers, or telephone transfers are made in one month, Reg D requires us to notify you that your account may be closed or changed to another type of account. Withdrawals or transfers made in the bank or at an ATM are not limited .

Effective 09/10/12. The Annual Percentage Yield is Accurate as of 09/10/12. Rates subject to change without notice. “Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding. “APY” (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.