Rates

Deposit Rate Schedule

Rates accurate as of Current Date 1/14/2025.

Print Rate Schedule

Checking Accounts

Products	Fee	Interest Rate	APY*	Additional Information
Personal Checking	$0	0.10%	0.10%	Daily balance of $1,000 required to earn interest
Personal Basic Checking	$0	N/A	N/A	No balance requirements
Small Business Checking	$0	N/A	N/A	No balance requirements
Business Interest Checking	$0	See Tier Schedule	See Tier Schedule	Daily balance of $1,500 required to earn interest

^*APY = Annual Percentage Yield. Fees may reduce earnings.

Business Interest Checking Tier Schedule

Tier	Amount	Interest Rate	APY*
Tier 1	$0 - $1,499.99	0.00%	0.00%
Tier 2	$1,500 - $24,999.99	0.05%	0.05%
Tier 3	> $25,000	0.10%	0.10%

^*APY = Annual Percentage Yield. Fees may reduce earnings.

Savings Accounts

Products	Fee	Interest Rate	APY*	Additional Information
Personal Savings	$0	1.00%	1.00%	N/A
Business Savings	$0	1.00%	1.00%	N/A
Certificates	N/A	N/A	N/A	$5,000 minimum opening balance
Money Market Savings	$15	See Tier Schedule	See Tier Schedule	Daily balance of $1,500 required to earn interest

^*APY = Annual Percentage Yield. Fees may reduce earnings.

Money Market Savings Tier Schedule

Tier	Amount	Interest Rate	APY*
Tier 1	$0 - $1,499.99	0.00%	0.00%
Tier 2	$1,500 - $24,999.99	1.35%	1.36%
Tier 3	$25,000 - $99,999.99	1.60%	1.62%
Tier 4	$100k - $399,999.99	2.81%	2.85%
Tier 5	$400k - $999,999.99	3.78%	3.85%

^*APY = Annual Percentage Yield. Fees may reduce earnings.

Certificates of Deposits(Personal and Business)

• $5,000 Minimum to open
• Terms from 6 months to 5 years
• Penalties apply for early withdrawal

Term	Interest Rate	APY*
6 month	2.85%	2.89%
12 month	3.25%	3.30%
18 month	3.30%	3.35%
24 month	3.40%	3.45%
36 month	3.45%	3.51%
48 month	3.60%	3.66%
60 month	3.85%	3.92%

*APY = Annual Percentage Yield. Fees may reduce earnings.

Individual Retirement Accounts

• $5,000 Minimum Balance

Term	Interest Rate	APY*
6 month	2.85%	2.89%
12 month	3.25%	3.30%
18 month	3.30%	3.35%
24 month	3.40%	3.45%
36 month	3.45%	3.51%
48 month	3.60%	3.66%
60 month	3.85%	3.92%

^*APY = Annual Percentage Yield. Fees may reduce earnings.

Early Withdrawal Penalty

Term	Penalty
12 months or less	90 days interest
18 to 48 months	180 days interest
60 months	270 days interest

Rates accurate as of Current Date1/14/2025. Rates subject to change. Please visit our branch or call for more information.