Rates

Interest Rates Effective July 26, 2012

Certificate of Deposit

Product Minimum Balance to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY)
91 Day Certificate $1000.00 $1,000.00 .35% .35%
6 Month Certificate $1000.00 $1,000.00 .40% .40%
8 Month Certificate $1000.00 $1,000.00-$9,999.99
$10,000.00-$49,999.99
$50,000 & Over		 .45%
.50%
.60%		 .45%
.50%
.60%
1 Year Certificate $1000.00 $1,000.00 .60% .60%
30 Month Certificate $1000.00 $1,000.00 .90% .90%
4 Year Certificate $1000.00 $1,000.00 1.25% 1.26%
5 Year Certificate $1000.00 $1,000.00 1.30% 1.31%
  • A penalty will be imposed for early withdrawal.
  • After your CD is opened, the interest rate is fixed for the term unless otherwise indicated.

Second Chance Certificate of Deposit

Product Minimum Balance to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY)
18 Month Certificate $1,000.00 $1,000.00 .75% .75%
36 Month Certificate $1,000.00 $1,000.00 1.00% 1.00%

  • A penalty will be imposed for early withdrawal.
  • After your CD is opened, the interest rate is fixed for the term unless otherwise indicated.

 Jumbo Certificate of Deposit

Product Minimum Balance to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY)
6 Month Certificate $100,000.00 $100,000.00 .40% .40%
1 Year Certificate $100,000.00 $100,000.00 .60% .60%
30 Month Certificate $100,000.00 $100,000.00 .90% .90%
  • A penalty will be imposed for early withdrawal.
  • After your CD is opened, the rate is fixed for the term unless otherwise indicated.

Interest Bearing Checking Accounts

Product Minimum Balance to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY)
Classic Checking $100.00 $250.00 .10% .10%
Now Account $100.00 $500.00 .10% .10%
Venture Now $100.00 $2,000.00 .10% .10%
Money Market $2,500.00 $2,500.00 .30% .30%
  • Fees may reduce earnings on the account.
  • Interest Rate may change after account opens without notice.

Savings Accounts 

Product Minimum Balance to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY)
Minor Savings No Minimum $50.00 .25% .25%
Christmas Club $10.00 $50.00 .25% .25%
Traditional Savings $50.00 $50.00 .25% .25%
Gold Savings $10,000.00 $10,000.00 .30% .30%

  • Fees may reduce earnings on the account.
  • Interest Rate may change after account opens without notice.

IRAs

Product Minimum Balance to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY)
6 Month IRA $100.00 $100.00 .50% .50%
1 Year IRA $100.00 $100.00 .75% .75%
18 Month IRA $100.00 $100.00 .80% .80%
5 Year IRA $100.00 $100.00 1.30% 1.31%
  • A penalty will be imposed for early withdrawal.
  • We only accept deposits from our local service area please call for details.