Specials and certificates of deposit
As of October 1, 2026
All accounts are FDIC insured. Rates and yields are accurate as of the date above and are subject to change at any time without notice.
Fixed rate certificates
A penalty may be imposed for early withdrawal.
| Account | Minimum deposit to open | Minimum balance* to obtain APY | Interest rate | Annual percentage yield |
|---|---|---|---|---|
| 3 Month Certificate Account | $500 | $500 | 3.00% | 3.04% |
| 6 Month Certificate Account | $500 | $500 | 3.25% | 3.30% |
| 12 Month Certificate Account | $500 | $500 | 3.50% | 3.56% |
| 18 Month Certificate Account | $500 | $500 | 3.60% | 3.66% |
| 24 Month Certificate Account | $500 | $500 | 3.00% | 3.04% |
| 30 Month Certificate Account | $500 | $500 | 2.50% | 2.53% |
| 48 Month Certificate Account | $500 | $500 | 2.50% | 2.53% |
IRA accounts
| Account | Minimum deposit to open | Minimum balance* to obtain APY | Interest rate | Annual percentage yield |
|---|---|---|---|---|
| 18 Month Fixed IRA Account | $100 | $100 | 3.00% | 3.04% |
| 60 Month Fixed IRA Account | $100 | $100 | 1.00% | 1.00% |
Business accounts
For variable rate accounts, the rate may change after the account is opened.
| Account | Minimum deposit to open | Minimum balance* / daily balance | Interest rate | Annual percentage yield |
|---|---|---|---|---|
| Business Checking Account | $100 | — | Non-interest bearing account | — |
| Business Checking Account with Interest | $100 | $1 | 0.02% | 0.02% |
| Business Savings Account | $100 | $1 | — | — |
| — First Tier | — | $.01 – $49,999.99 | 0.03% | 0.03% |
| — Second Tier | — | $50,000.00 & over | 0.07% | 0.07% |
| Business Money Market Account | $2,500 | $1 | — | — |
| — First Tier | — | $.01 – $9,999.99 | 0.02% | 0.02% |
| — Second Tier | — | $10,000.00 – $49,999.99 | 0.05% | 0.05% |
| — Third Tier | — | $50,000.00 & over | 0.50% | 0.50% |
Savings and checking accounts
For variable rate accounts, the rate may change after the account is opened.
| Account | Minimum deposit to open | Minimum balance* / daily balance | Interest rate | Annual percentage yield |
|---|---|---|---|---|
| Passbook Savings Account | $5 | $1 | 0.03% | 0.03% |
| Christmas Club Account | $5 | $1 | 0.03% | 0.03% |
| Statement Savings Account | $100 | $1 | 0.03% | 0.03% |
| Checking Account | $25 | $1 | 0.02% | 0.02% |
| Free Checking | $25 | — | Non-interest bearing account | — |
| Money Market Deposit Account | $2,500 | $1 | — | — |
| — First Tier | — | $.01 – $9,999.99 | 0.02% | 0.02% |
| — Second Tier | — | $10,000.00 – $39,999.99 | 0.05% | 0.05% |
| — Third Tier | — | $40,000.00 & over | 0.40% | 0.40% |
| Platinum Money Market Account | $50,000 | $1 | — | — |
| — First Tier | — | $.01 – $49,999.99 | 0.05% | 0.05% |
| — Second Tier | — | $50,000.00 & over | 0.50% | 0.50% |
Rate sheet disclosures
*Minimum balance (the amount of principal in the account each day). These rates and yields are accurate as of the date identified above. This Rate Sheet is subject to change at any time without notice. Fees could reduce the earnings on the account. Please stop in at any of our offices or call any of the telephone numbers listed below to obtain current rate information and to contact an employee for further information.
All accounts are FDIC insured.