Current Interest Rates

We offer competitive interest rates and are here to help you make the right investment decisions.

Checking Accounts

Watch your money grow! Earn interest on your checking account balance.

As of 2/27/2024

TypeAPYInterest RateMinimum Balance
Simply Free Checking.00%.00%
Advantage 50 Interest Checking.07%.07%
Direct Interest Checking.07%.07%
Preferred Interest CheckingBalances under $1,500 – 0.07%; Balances $1,500 or more – 0.10%Balances under $1,500 – 0.07%; Balances $1,500 or more – 0.10%Yes

*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.

Savings Accounts

Start saving! Whatever your goals, we offer competitive rates to get you there.

As of 2/27/2024

ProductAPYInterest RateMinimum Balance
Christmas Club0.05%0.05%
Select Money MarketBalances under $10,000 – 0.15%; Balances of $10,000 – $49,999.99 – 0.20%; Balances of $50,000 – $99,999 – 0.25%; Balances of $100,000 or more – 0.30%Balances under $10,000 – 0.15%; Balances of $10,000 – $49,999.99 – 0.20%; Balances of $50,000 – $99,999 – 0.25%; Balances of $100,000 or more – 0.30%
Statement SavingsBalances under $9,000.00 – 0.05%; Balances of $9,000 – $24,999.99 – 0.10%; Balances of $25,000 or more – 0.15%Balances under $9,000.00 – 0.05%; Balances of $9,000 – $24,999.99 – 0.10%; Balances of $25,000 or more – 0.15%
Health Savings AccountBalances under $2,500 – 0.20%; Balances of $2,500 – $4,999.99 – 0.35%; Balances of $5,000 or more – 0.45%Balances under $2,500 – 0.20%; Balances of $2,500 – $4,999.99 – 0.35%; Balances of $5,000 or more – 0.45%

*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings. 

Certificates of Deposit Short-Term Accounts

As of 2/27/2024

ProductAPYInterest RateMinimum Balance
3-Month CD0.75%0.75%$500
6-Month CD1.00%1.00%$500
9-Month CD1.00%1.00%$500

Compounded & credited quarterly. Automatic renewal for same term. 7 day grace period for deposits or withdrawals after the maturity date. Penalty for early withdrawal.

*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings. 

Certificates of Deposit Long-Term Accounts

As of 2/27/2024

ProductAPYInterest RateMinimum Balance
12 Month CD1.15%1.15%$500
18-Month CD1.20%1.20%$500
24 Month CD1.25%1.25%$500
36 Month CD1.35%1.35%$500
48 Month CD1.45%1.45%$500
60 Month CD1.55%1.55%$500

*$1,000.00 Minimum deposit to open. Early withdrawal penalties may apply.

**Renewal Term is 18 months for the 18 Month CD.

***Renewal Term is 24 months for the 27 Month Jump CD

Certificates of Deposit DirectSave*

As of 2/27/2024

ProductAPYInterest RateMinimum Balance
DirectSave1.51%1.50%$25

Compounded & credited monthly. Must set up ACH transfer of at least $25 per month from a checking account or outside savings account at account opening. Automatic renewal. 7 day grace period. Penalty for early withdrawal.

*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.