Benefits
- No minimum initial deposit required
 - Pays interest when you maintain a minimum account balance of $20.00
 - Interest is compounded daily and credited monthly
 - No monthly maintenance fees
 - Allows contributions and distributions at any time with no BANK penalty
 - Quarterly account statements
 
Current Rates
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        Effective Date: Tuesday, November 4, 2025
| Interest Rate | Annual Percentage Yield  | |
|---|---|---|
| IRA Savings ($20.00 and over)*** | 0.85% | 0.85% |