Deposit Rates
Rates are subject to change. Please contact your local branch office for more information.
CD Specials
For years, Certificate of Deposit accounts or CDs have been a popular way to save money, and for good reason. CDs are the easiest way to save if you do not need immediate access to your money. They usually pay a higher interest rate than a traditional savings or money market account and, generally, the longer the term, the higher the interest rate or return to the customer account. Take advantage of these attractive offerings, today.
| Account Type | Minimum to Deposit | Balance To obtain A.P.Y. | Interest Rate | A.P.Y. |
|---|---|---|---|---|
| 5 Month CD Special | $500 | $500 | 3.44% | 3.50% |
| 9 Month CD Special | $500 | $500 | 3.34% | 3.40% |
| 13 Month CD Special | $500 | $500 | 3.20% | 3.25% |
* The Annual Percentage Yield (A.P.Y.) is available as of January 22, 2026 and is subject to change at any time. A penalty may be imposed for early withdrawal, and fees could reduce earnings on the account.
Deposit Rates
The terminology, Annual Percentage Yield is abbreviated as A.P.Y., for the purpose of this deposit interest rate information and is subject to change at any time. For NOW, variable interest rate checking products, including Savings and Money Market accounts, the interest rate may change at any time after account opening.
| Account Type | Minimum to Open | Average Daily Balance To obtain A.P.Y. | Interest Rate | A.P.Y. |
|---|---|---|---|---|
| Free Checking | $ 25.00 | N/A | N/A | N/A |
| NOW Checking | $ 25.00 | $600 | 0.03% | 0.03% |
| Prime of Your Life Checking | $ 25.00 | $1,000 | 0.05% | 0.05% |
| Insured Money Market | $ 25.00 | $250,000 | T1 0.60% | T1 0.60% |
| $100,000 | T2 0.40% | T2 0.40% | ||
| $25,000 | T3 0.25% | T3 0.25% | ||
| $10,000 | T4 0.07% | T4 0.07% | ||
| $2,500 | T5 0.05% | T5 0.05% | ||
| N/A | T6 0.03% | T6 0.03% | ||
| Local Advantage Money Market | $ 100,000.00 | $500,000 | T1 2.96% | T1 3.00% |
| $200,000 | T2 2.47% | T2 2.50% | ||
| $100,000 | T3 1.98% | T3 2.00% | ||
| N/A | T4 0.10% | T4 0.10% | ||
| Savings Account | $ 25.00 | N/A | 0.05% | 0.05% |
| Health Savings | $100.00 | $1,000 | T1 0.10% | T1 0.10% |
| N/A | T2 0.05% | T2 0.05% | ||
| Certificates of Deposit (Consumer & Commercial), IRA Accounts | ||||
| 3 month | $500 | $500 | 0.35% | 0.35% |
| 6 month | $500 | $500 | 0.45% | 0.45% |
| 12 month | $500 | $500 | 0.99% | 1.00% |
| 18 month | $500 | $500 | 0.50% | 0.50% |
| 24 month | $500 | $500 | 0.50% | 0.50% |
| 30 month | $500 | $500 | 0.50% | 0.50% |
| 60 month | $500 | $500 | 0.60% | 0.60% |
The terminology, Annual Percentage Yield is abbreviated as A.P.Y., for the purpose of this deposit interest rate information and is subject to change at any time. A penalty may be imposed for early withdrawal, and fees could reduce earnings on the account.