Deposit Rate Sheet November 2, 2026
CERTIFICATES OF DEPOSIT1
| tERM | MINIMUM INITIAL dEPOSIT | rATE | apy1 | fREQUENCY OF COMPOUNDING |
|---|---|---|---|---|
| 3 Month | $500.00 | 3.25% | 3.30% | Monthly |
| 6 Month | $500.00 | 3.50% | 3.56% | Monthly |
| 12 Month | $500.00 | 3.75% | 3.82% | Monthly |
| 18 Month | $500.00 | 3.75% | 3.82% | Monthly |
| 24 Month | $500.00 | 3.75% | 3.82% | Monthly |
| 30 Month | $500.00 | 3.75% | 3.82% | Monthly |
| 36 Month | $500.00 | 3.75% | 3.82% | Monthly |
| 48 Month | $500.00 | 3.80% | 3.87% | Monthly |
| 60 Month | $500.00 | 3.80% | 3.87% | Monthly |
| 12 Month Rainbow | $25.00 | 3.75% | 3.75% | Annually |
INDIVIDUAL RETIREMENT ACCOUNTS
| tERM | MINIMUM INITIAL dEPOSIT | rATE | apy1 | fREQUENCY OF COMPOUNDING |
|---|---|---|---|---|
| 18 Month Variable IRA2 | $500.00 | 3.75% | 3.80% | Quarterly |
| 30 Month Fixed IRA | $500.00 | 3.75% | 3.80% | Quarterly |
SAVINGS ACCOUNTS2
| tERM | MINIMUM INITIAL dEPOSIT | bALANCE | rATE | apy1 | fREQUENCY OF COMPOUNDING |
|---|---|---|---|---|---|
| Money Market | $1,000.00 | Less than $1,000 | 0.00% | 0.00% | Monthly |
| $1,000.00-$19,999.99 | 0.60% | 0.60% | Monthly | ||
| $20,000.00-$49,999.99 | 0.80% | 0.80% | Monthly | ||
| $50,000.00-$99,999.99 | 1.00% | 1.00% | Monthly | ||
| $100,000.00 and up | 1.50% | 1.51% | Monthly | ||
| High Yield Money Market | $25,000.00 | Less than $25,000.00 | 0.00% | 0.00% | Monthly |
| $25,000.00-$49,999.99 | 0.60% | 0.60% | Monthly | ||
| $50,000.00-$99,999.99 | 1.20% | 1.21% | Monthly | ||
| $100,000.00-$249,999.99 | 1.75% | 1.76% | Monthly | ||
| $250,000.00 and up | 2.85% | 2.89% | Monthly | ||
| Statement Savings | $100.00 | $100.00 and up | 0.55% | 0.55% | Quarterly |
| Kids First Savings | $10.00 | 0.55% | 0.55% | Quarterly | |
| Christmas Club | $0.00 | 0.55% | 0.55% | Annually |
CHECKING ACCOUNTS2
| tERM | MINIMUM INITIAL dEPOSIT | bALANCE | rATE | apy1 | fREQUENCY OF COMPOUNDING |
|---|---|---|---|---|---|
| Personal Plus Checking5 | $100.00 | Up to $20,000.00 | 2.00% | 2.02% | Monthly |
| $20,000.01 and up | 0.25% | 0.25% | Monthly | ||
| If qualifications are not met each statement cycle | 0.03% | 0.03% | Monthly | ||
| Business Plus Checking | $1,000.00 | Less than $1,000.00 | 0.00% | 0.00% | Monthly |
| $1,000.00-$49,999.99 | 0.60% | 0.60% | Monthly | ||
| $50,000.00-$99,999.99 | 1.00% | 1.00% | Monthly | ||
| $100,000.00-$249,999.99 | 1.50% | 1.51% | Monthly | ||
| $250,000.00 and up | 2.00% | 2.02% | Monthly |
¹The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Early withdrawals may be subject to penalties. Penalties will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term of the CD. Certificates of Deposits will automatically renew at maturity unless otherwise stated. Service charges and fees could reduce earnings.
²Rate may change at any time on variable rate accounts.
4The interest rate and annual percentage yield may change after the account is opened.
5Certain qualifications must be met each statement cycle.
Deposits or depositors are insured by the Federal Deposit Insurance Corporation up to $250,000 for each depositor.
Rates Effective as of 11/2/2026