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Deposit Rates

Best CD Rates

Take advantage of these CD terms to maximize your interest-earning potential.

† APY stands for Annual Percentage Yield.

4.00% APY†

91-Day Term

Open Account

3.80% APY†

182-Day Term

Open AccountOpen Account

3.50% APY†

13-month CD

Open AccountOpen Account

IRA & CDs

Effective Date: Tuesday, November 4, 2025

IRA & CDs
Interest Rate

Annual Percentage Yield
(APY)

IRA Savings ($20.00 and over)***0.85%0.85%
IRA Variable Account**0.85%0.85%
91 days*3.92%4.00%
182 days*3.73%3.80%
12 months*1.51%1.52%
13 months*3.44%3.50%
18 months*3.01%3.06%
24 months*2.96%3.00%
30 months*2.96%3.00%
36 months*2.96%3.00%
48 months*2.47%2.50%
60 months*2.47%2.50%

* Minimum deposit required to open the account is $500.
** Interest rate and Annual Percentage Yield (APY) may change daily at the Bank's discretion. Minimum deposit of $250.00 required to open an account and obtain the APY. Term of account is 18 months.
*** Interest rate and Annual Percentage Yield (APY) may change daily at the Bank's discretion.
Early withdrawal penalties apply. A withdrawal of interest may reduce earnings. Interest is compounded daily.

Checking Accounts

Effective Date: Tuesday, November 4, 2025

BalanceInterest Rate

Annual Percentage Yield
(APY)

Personal CheckingNo MinimumNot ApplicableNot Applicable
Interest Checking$500.00 and over0.20%0.20%
SWEEP CheckingBelow $1,000.000.85%0.85%
$1,000.00 to $24,999.990.85%0.85%
$25,000.00 to $99,999.990.85%0.85%
$100,000.00 to $499,999.990.95%0.95%
$500,000.00 to $999,999.991.69%1.70%
$1,000,000.00 and over1.78%1.80%

Interest rate and Annual Percentage Yield (APY) may change daily at the Bank's discretion. Fees could reduce earnings.

Savings & Money Market Accounts

Effective Date: Tuesday, November 4, 2025

Savings & Money Market Accounts (Rate Table)
BalanceInterest Rate

Annual Percentage Yield
(APY)

Money MarketBelow $1,000.000.85%0.85%
$1,000.00 to $24,999.990.85%0.85%
$25,000.00 to $99,999.990.85%0.85%
$100,000.00 to $499,999.990.95%0.95%
$500,000.00 to $999,999.991.69%1.70%
$1,000,000.00 and over1.78%1.80%
Statement Savings$20.00 and over0.85%0.85%

Christmas Club‡

$20.00 and over0.20%0.20%

Interest rate and Annual Percentage Yield (APY) may change daily at the Bank's discretion. Fees could reduce 

‡ Interest rate and Annual Percentage Yield (APY) are fixed for the club year.