DEPOSIT RATES
Our rates are very competitive, making us a smart choice for both your borrowing needs and growing your deposits.

Deposit Rates

Interest rates and annual percentage yields (APY)
are effective as of August 13, 2019.

Savings Accounts
ID Type Interest Rate APY* Min to Open Min Daily Balance (APY*) Min Daily Balance to Avoid Fees Low Balance Fee
1 Passbook Savings 0.150% 0.150% $50.00 $0.00 $0.00 $0.00
8 Statement Savings 0.150% 0.150% $50.00 $0.00 $0.00 $0.00
9 Christmas Clubs 0.250% 0.250% $0.00 $0.00 $0.00 $0.00
10 Rent Security 0.150% 0.150% $50.00 $0.00 $0.00 $0.00

* Annual Percentage Yield

There is a minimum balance required to open a Savings Account. You must maintain a minimum balance of $50.00 in the account each day in order to receive the annual percentage yield. Interest is compounded daily and paid monthly. All Savings Accounts are considered variable rate products. Your interest rate and annual percentage yield may change after account opening. At our discretion we may change the interest rate on your account. We may change the interest rate on your account at any time. Fees can reduce earnings.

Certificates of Deposit
ID Type Interest Rate APY* Min to Open
2 3 Months 0.150% 0.150% $500.00
11 6 Months 0.350% 0.350% $500.00
12 7 Months 0.750% 0.760% $500.00
13 9 Months 0.750% 0.760% $500.00
14 12 Months 1.100% 1.120% $500.00
15 15 Months 1.150% 1.170% $500.00
16 18 Months 1.200% 1.220% $500.00
17 24 Months 1.350% 1.380% $500.00
18 30 Months 1.400% 1.430% $500.00
19 60 Months 1.550% 1.580% $500.00

* Annual Percentage Yield

To obtain the annual percentage yield, you must maintain a minimum balance of $500.00 in the account each day. Interest is compounded monthly and credited monthly. No additional deposits may be made into your account until the maturity date. We do not have to permit early withdrawals from the account. Early withdrawal penalties may apply. Fee can reduce earnings.

Individual Retirement Accounts
ID Type Interest Rate APY* Min to Open
3 6 Months 0.350% 0.350% $500.00
20 12 Months 1.100% 1.120% $500.00
21 18 Months 1.200% 1.220% $500.00
22 24 Months 1.350% 1.380% $500.00
23 30 Months 1.400% 1.430% $500.00
24 18 Month Variable 1.450% 1.480% $500.00
25 IRA Savings Account 0.150% 0.150% $500.00

* Annual Percentage Yield

To obtain the annual percentage yield, you must maintain a minimum balance of $500.00 in the account each day. Interest is compounded monthly and credited monthly. No additional deposits may be made into your account until the maturity date. We do not have to permit early withdrawals from the account. Early withdrawal penalties may apply. Fee can reduce earnings.

Personal Checking Accounts
ID Type Interest Rate APY* Min to Open Min Daily Balance (APY*) Min Daily Balance to Avoid Fees Low Balance Fee
5 Regular Checking 0.000% 0.000% $1.00 $0.00 $0.00 $0.00
7 NOW Account 0.100% 0.100% $100.00 $0.00 $0.00 $0.00
26 Senior Checking 0.100% 0.100% $100.00 $0.00 $0.00 $0.00

* Annual Percentage Yield

There is a $100.00 minimum balance required to open a NOW Account or Senior Checking Account. You must maintain a minimum balance of $500.00 in the account each day in order to receive the annual percentage yield. Interest is compounded daily and paid monthly. All checking accounts receiving interest are considered variable rate products. Your interest rate and annual percentage yield may change after account opening. At our discretion we may change the interest rate on your account. Fees can reduce earnings. Interest is compounded daily and credited monthly.

Money Market Accounts
ID Type Interest Rate APY* Min to Open Min Daily Balance (APY*) Min Daily Balance to Avoid Fees Low Balance Fee
6 Money Market Account 0.150% 0.150% $500.00 $0.00 $0.00 $0.00
27 Super Money Market Account 0.250% 0.250% $1,500.00 $0.00 $0.00 $0.00

* Annual Percentage Yield

There is a $1,500.00 minimum balance required to open a Money Market Account. You must maintain a minimum balance of $1,500.00 in the account each day in order to receive the disclosed annual percentage yield. Interest is compounded daily and paid monthly. Transfers by way of check, draft, debit card, or similar order made payable to a third party is limited to six (6) transfers per month or statement cycle (of up to four weeks). Excecssive Withdrawal Fee: $10 per transaction. Fees can reduce earnings. All checking and money market accounts accounts receiving interest are considered variable rate products. Your interest rate and annual percentage yield may change at any time. At our discretion we may change the interest rate on your account.

 

All interest rates are subject to change without notice. Call for current rates. Fees can reduce earnings.

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