Deposit Rates

These rates are current as of October 11, 2018 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.

Account TypeInterest RateAPYMinimum Opening BalanceMinimum Balance to Obtain APY
Savings Accounts1
Regular 1.05% 1.05% $100 $0

Vacation Club2

Renewed annually with May 1 payout**

1.15% 1.15% $0 $0

Christmas Club2

Renewed annually with November 1 payout**

1.15% 1.15% $0 $0
Money Market 0.50% 0.50% $2,500 $2,500
Checking Accounts1
Account TypeInterest RateAPYMinimum Opening BalanceMinimum Balance to Obtain APY
NOW 0.10% 0.10% $1,000 $1,000

Super NOW Tier 2

$2,500 and up

Super NOW Tier 1

$1,000 - $2,499.99

0.15%

 

0.10%

0.15%

 

0.10%

$2,500 $1,000
Hometown Secure 0.10% 0.10% $100 $1,000

High Yield Business Tier 3

$25,000 and up

High Yield Business Tier 2

$10,000 - $24,999.99

High Yield Business Tier 1

$2,500 - $9,999.99

0.50%

 

0.25%

 

0.15%

0.50%

 

0.25%

 

0.15%

$2,500 $2,500
Individual Retirement Accounts
TermRateAPYMinimum Balance to OpenMinimum Balance to Obtain APY
Traditional 12 months Fixed 1.25% 1.25% $0 $0
Traditional 12 months Variable1 1.00% 1.00% $0 $0
Roth 12 months Fixed 1.25% 1.25% $0 $0
Certificates of Deposit2
TermRatesAPYMinimum Balance to OpenMinimum Balance to Obtain APY
3 months (90 days) 0.30% 0.30% $1,000 $0
6 months (180 days) 0.65% 0.65% $1,000 $0
12 months (1year) 1.05% 1.05% $1,000 $0

13 months3

2.25% 2.25% $1,000 $0

 15 months3  

2.35% 2.35% $1,000 $0
18 months (1.5 years) 1.50% 1.50% $1,000 $0
24 months (2 years) 1.75% 1.75% $1,000 $0
36 months (3 years) 1.90% 1.90% $1,000 $0
48 months (4 years) 2.00% 2.00% $1,000 $0
60 months (5 years) 2.50% 2.50% $1,000 $0
Exchange Rate Certificates1,2
TermRateAPYMinimum Balance to OpenMinimum Balance to Obtain APY
12 months (1 year) 1.05% 1.05% $1,000 $0
18 months (1.5 years) 1.50% 1.50% $1,000 $0
60 months (5 years) 2.50% 2.50% $1,000 $0
1 Interest rates may change after the account is opened
2 There may be a penalty for early withdrawal.
3 Interest must be paid at maturity.

 

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