Rates and Fees

Deposit Rates

All deposit rates are effective as of September 17, 2026 and are subject to change without notice.

Checking & Savings
Certificates of Deposit
Individual Retirement Accounts (IRAs)

Checking & Savings*

Account Type	Minimum Daily Balance to Obtain APY	Interest Rate	Annual Percentage Yield
NOW Checking	$1,000.00	0.55%	0.55%
HSA Checking	$0.00	0.80%	0.80%
Passbook Savings	$0.00	0.80%	0.80%
Set A Goal Savings	$0.00	0.80%	0.80%
Money Market	$0.01 - $999.99	0.80%	0.80%
	$1,000.00 - $49,999.99	0.90%	0.90%
	$50,000.00 - $99,999.99	1.24%	1.25%
	$100,000.00 - $249,999.99	1.49%	1.50%
	$250,000.00 - $499,999.99	1.98%	2.00%
	$500,000.00 & Over	2.72%	2.75%

*Interest Rate and Annual Percentage Yield (APY) on these accounts may change after account is opened. Fees may reduce earnings.

Certificates of Deposit***

Account Type	Minimum Deposit to Open	Interest Rate	Annual Percentage Yield**
3 Month	$500.00	2.28%	2.30%
6 Month	$500.00	2.63%	2.65%
9 Month SPECIAL	$2,500.00	3.94%	4.00%
12 Month	$500.00	2.87%	2.90%
15 Month	$500.00	2.87%	2.90%
18 Month	$500.00	2.97%	3.00%
24 Month	$500.00	2.97%	3.00%
30 Month	$500.00	2.97%	3.00%
36 Month	$500.00	3.02%	3.05%
48 Month	$500.00	3.02%	3.05%
60 Month	$500.00	3.11%	3.15%

** Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.
*** Penalty may be imposed for early withdrawal on Certificates of Deposit. Fees may reduce earnings.

Individual Retirement Accounts (IRAs)***

Account Type	Minimum Deposit to Open	Interest Rate	Annual Percentage Yield**
Variable	$0.00	1.74%	1.75%
12 Month CD	$500.00	2.87%	2.90%
30 Month CD	$500.00	2.97%	3.00%

*Interest Rate and Annual Percentage Yield (APY) on these accounts may change after account is opened.
** Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Withdrawal of interest will reduce earnings.
*** Penalty may be imposed for early withdrawal on Certificates of Deposit. Fees may reduce earnings.