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Current Rates

These rates are current as of April 3, 2013 and are subject to change without notice.

Annual Percentage Yield (APY) assumes principal and interest remain on deposit for one year at the same interest rate.  Service charges and fees may reduce earnings.

  Interest
Rate
APY Minimum
Opening
Balance
Minimum
Balance
to Obtain APY
SAVINGS ACCOUNTS *
Regular 0.50 0.50 $100 $ -0-
Vacation Club
(Renewed Annually with May 1 payout)**
0.60 0.60 $ -0- $ -0-
Christmas Club
(Renewed Annually with November 1 payout)**
0.60 0.60 $ -0- $ -0-
MONEY MARKET ACCOUNTS *
  0.60 0.60 $2,500 $2,500
CHECKING ACCOUNTS *
NOW 0.10 0.10 $1,000 $1,000
Super NOW
 Tier 1:  $1,000 to $2,499.99
 Tier 2:  $2,500 & up
0.15
0.10
0.15
0.15
0.10
0.15
$2,500 $1,000
Hometown 0.10 0.10 $100 $1,000
Hometown Plus 0.10 0.10 $100 $1,000
Horizon Club
 Tier 1:  $1,000 to $2,499.99
 Tier 2:  $2,500 & up
0.10
0.10
0.10
0.10
0.10
0.10
$2,500 $1,000
High Yield Business
 Tier 1:  $2,500 to $9,999.99
 Tier 2:  $10,000 to $24,999.99
 Tier 3:  $25,000 & up
0.60
0.10
0.15
0.60
0.60
0.10
0.15
0.60
$2,500 $2,500
IRA's **
Fixed (12 month) 0.60 0.60 $ -0- $ -0-
Variable (12 month) * 0.60 0.60 $ -0- $ -0-
CERTIFICATES OF DEPOSIT **
3 months (90 days) 0.10 0.10 $1,000 $ -0-
6 months (180 days) 0.35 0.35 $1,000 $ -0-
12 months (1 year) 0.60 0.60 $1,000 $ -0-
18 months (1.5 years) 0.70 0.70 $1,000 $ -0-
24 months (2 years) 0.90 0.90 $1,000 $ -0-
30 months (2.5 years) 0.90 0.90 $1,000 $ -0-
36 months (3 years) 1.00 1.00 $1,000 $ -0-
48 months (4 years) 1.10 1.10 $1,000 $ -0-
60 months (5 years) 1.25 1.25 $1,000 $ -0-
EXCHANGE RATE CERTIFICATES *
12 months (1 year) 0.60 0.60 $1,000 $ -0-
18 months (1.5 years) 0.70 0.70 $1,000 $ -0-
30 months (2.5 years) 0.90 0.90 $1,000 $ -0-
60 months (5 years) 1.25 1.25 $1,000 $ -0-
* Interest rates may change after the account is opened.
** There may be a penalty for early withdrawal.

 

Loan Rates

  • Rates on automobile loans.
  • Rates on real estate loans adjusted according to Prime Rate.
  • Rates on loans secured by certificate of deposit - CD rate plus 2%.

Rates and terms will vary based on amount of equity in collateral.

Prime Rate is the Prime Rate as published in the Wall Street Journal and is subject to change daily.