For Special Rates, Please Contact Your Local Branch
"APY" is Annual Percentage Yield
CURRENT RATES EFFECTIVE DECEMBER 1, 2021
Certificates of Deposit & IRA (IRA Grandfathered for Existing Customers) Learn More
| Term | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| 3 Months | $1,000 | 0.05% | 0.05% |
| 6 Months | $1,000 | 0.10% | 0.10% |
| 8 Months* | $1,000 | 0.15% | 0.15% |
| 9 Months | $1,000 | 0.15% | 0.15% |
| 12 Months** |
$1,000 **Daily Balance of $0-$499,999 |
0.25% | 0.25% |
| 12 Months*** |
$1,000 ***Daily Balance of $500,000+ |
0.25% | 0.25% |
| 15 Months | $1,000 | 0.25% | 0.25% |
| 18 Months | $1,000 | 0.30% | 0.30% |
| 24 Months | $1,000 | 0.30% | 0.30% |
| 36 Months | $1,000 | 0.35% | 0.35% |
| 42 Months* | $1,000 | 0.35% | 0.35% |
| 48 Months | $1,000 | 0.40% | 0.40% |
| 60 Months | $1,000 | 0.45% | 0.45% |
| 66 Months | $1,000 | 0.45% | 0.45% |
Penalty for Early Withdrawal
*No Special Terms Allowed for IRA CD's
Business Accounts
| Account | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| Community Checking | $100 | 0.05% | 0.05% |
| Business Statement Savings | $100 | 0.10% | 0.10% |
| IOLTA | $100 | 0.05% | 0.05% |
Business Premium Plus Checking Learn More
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $5,000 | $100 | 0.05% | 0.05% |
| $5,001+ | $100 | 0.20% | 0.20% |
Business Money Market (For Promotional Rates, Please Contact Your Local Branch) Learn More
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $25,000 | $100 | 0.05% | 0.05% |
| $25,001 - $100,000 | $100 | 0.10% | 0.10% |
| $100,001 - $250,000 | $100 | 0.15% | 0.15% |
| $250,001+ | $100 | 0.25% | 0.25% |
Personal Accounts
| Account | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| Preferred Checking | $100 | 0.05% | 0.05% |
| Senior Interest Checking | $100 | 0.05% | 0.05% |
| Personal Savings | $100 | 0.10% | 0.10% |
| Start Smart Savings | $25 | 0.15% | 0.15% |
Premium Plus Checking Learn More
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $5,000 | $100 | 0.05% | 0.05% |
| $5,001+ | $100 | 0.20% | 0.20% |
Personal Money Market (For Promotional Rates, Please Contact Your Local Branch) Learn More
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $25,000 | $100 | 0.05% | 0.05% |
| $25,001 - $100,000 | $100 | 0.10% | 0.10% |
| $100,001 - $250,000 | $100 | 0.15% | 0.15% |
| $250,001+ | $100 | 0.25% | 0.25% |
Trust Accounts
| Account | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| Trust Preferred Checking | $100 | 0.05% | 0.05% |
| Trust Savings | $100 | 0.10% | 0.10% |
Trust Premium Plus
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $5,000 | $100 | 0.05% | 0.05% |
| $5,001+ | $100 | 0.20% | 0.20% |
Trust Money Market
| Tier | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $25,000 | $100 | 0.05% | 0.05% |
| $25,001 - $100,000 | $100 | 0.10% | 0.10% |
| $100,001 - $250,000 | $100 | 0.15% | 0.15% |
| $250,001+ | $100 | 0.25% | 0.25% |
The disclosed rates on savings, money market, and checking accounts may change at any time including after account opening.
There is no minimum balance required to earn interest on interest bearing accounts.
Maintenance fees, if applicable to the account, could reduce the earnings on the listed accounts. A penalty will be imposed for early withdrawal of certificates of deposit.