Christmas Club

If you make 49 consecutive and timely weekly deposits of the same amount to this account, then we will make the 50th deposit of that amount for you. Checks will be issued the second week of November.

Regular Savings
Interest RateAnnual Percentage Yield
0.10% 0.10%

Over 3 withdrawals there is a $1.00 service charge per debit. Preauthorized transfers are limited to six per month.

Interest Checking
Minimum to OpenInterest Rate Annual Percentage Yield
$500 0.05% 0.05%

Minimum balances of $500.00 to avoid $5 monthly fee.

Relationship Checking
Minimum to OpenInterest RateInterest Rate
$2,000 0.10% 0.10%

Minimum balances of $2,000.00 OR $5,000.00 relationship balance to avoid $15 monthly fee.

Money Market
Minimum to OpenBalanceInterest RateAnnual Percentage Yield
$1,000 $1.00 TO $999.99 0.05% 0.05%
$1,000 $1,000.00 TO $4,999.99 0.05% 0.05%
$1,000 $5,000.00 TO $49,999.99 0.05% 0.05%
$1,000 $50,000.00 to $199,999.99 0.25% 0.25%
$1,000 $200,000.00 and over 0.25% 0.25%

$10 monthly fee if below minimum/$10 service charge per excessive withdrawal.

Transfers from a MMDA to another account or to third parties by preauthorized, automatic, phone, or computer transfer or by check, draft or similar order to third parties are limited to six per statement cycle.

Smart Checking
BalanceInterest RateAnnual Percentage Yield
If you meet the 3 requirements listed below, you will receive this rate. $1.00 TO $14,999.99 1.25% 1.26%
If you DO NOT meet the 3 requirements listed below, you will receive this rate. $1.00 TO $14,999.99 0.10% 0.10%
$15,000 AND OVER 0.10% 0.10%

Requirements:

  1. 10 signature-based VISA check card transactions must post and settle during the statement cycle
  2. 2 automatic debits during the statement cycle
  3. Request email statements or enroll for online statements

We will refund up to $10 per month for foreign ATM fees with SMART Checking.

Health Savings Account
Interest RateAnnual Percentage Yield
0.25% 0.25%

***Interest rate and annual percentage yield may vary. We may change the interest rate at any time at our discretion. Fees could reduce earnings on your account.

Certificate of Deposits (Compounded Quarterly)
Minimum BalanceInterest RateAnnual Percentage Yield
24 Month IRA Certificate $500.00 1.75% 1.76%
91 Day Certificate $2,500.00 0.15% 0.15%
6 Month Certificate $500.00 0.15% 0.15%
12 Month Certificate $500.00 1.00% 1.00%
18 Month Certificate $500.00 1.15% 1.15%
24 Month Certificate $500.00 0.50% 0.50%
36 Month Certificate $500.00 0.75% 0.75%

A certificate maturing one year or less will have a 90 day interest penalty.
A certificate maturing over one year will have a 180 day interest penalty.