Rates
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CD Specials
| Account Type |
Minimum Opening Deposit |
Interest Rate |
Annual Percentage Yield (APY) |
|---|---|---|---|
|
182 day CD
|
$1,000.00 |
4.88%
|
5.00%
|
|
182 day IRA
|
$1,000.00 |
4.88%
|
5.00%
|
|
13 month CD
|
$1,000.00 |
4.65%
|
4.75%
|
|
13 month IRA
|
$1,000.00 |
4.65%
|
4.75%
|
Annual Percentage Yield effective October 2, 2023.
Rates are subject to change without notice.
Scroll to the left to view the rest of the table.
Deposits
| Account Type |
Minimum Opening Deposit |
Minimum Balance to Obtain APY |
Interest Rate |
Annual Percentage Yield (APY) |
|---|---|---|---|---|
| Star Saver Savings* | $10.00 | $0.01 | 0.25% | 0.25% |
| Holiday Club & Summer Club** | $10.00 | $0.01 | 0.50% | 0.50% |
| Everyday Savings* | $100.00 | $0.01 | 0.25% | 0.25% |
|
Money Market Select ^
$0.01 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 + |
|
|
|
|
Investor's Savings^
|
$10,000.00
|
$0.01 |
0.25% 1.15% 1.65% 2.35% 2.99% |
0.25% 1.15% 1.65% 2.35% 3.00% |
|
Advantage Checking^ |
$1,000.00 |
$0.01 $5,000.00 $25,000.00
$50,000.00
|
0.20% 0.35% 0.50%
0.85%
|
0.20%
0.35% 0.50%
0.85%
|
|
Health Savings Account^ |
$25.00 |
$0.01 |
0.20% 0.40% 0.60% 0.85% |
0.20% 0.40% 0.60% 0.85% |
|
Loyalty Checking^ |
$100.00 |
$0.01 $10,000.01 |
2.96% 0.05% |
3.00% 0.05% |
|
Loyalty Checking^ |
$100.00 |
$0.01 |
0.01% |
0.01% |
|
Business Select Plus Checking^ |
$25,000.00 |
$0.00 $25,000.01 $35,000.01 $45,000.01 $70,000.01 |
0.00% 0.15% 0.25% 0.60% 0.89% |
0.00% 0.15% 0.25% 0.60% 0.90% |
|
Business Earnings Credit |
$0.01 | 3.00% | 3.00% | |
|
|
Variable Rate Information: Your interest rate and annual percentage yield may change. We may change the rate on your account at any time after the account is opened.
*Interest will be compounded daily and will be credited to the account every month.
**Interest will be compounded daily and will be credited to the account every 12 months.
Fees could reduce earnings on the account.
^The interest rate listed in a tier will be paid for only that portion of your daily balance range that is within that tier. Interest will be compounded monthly and will be credited to the account monthly.
Interest rates have been rounded up to the nearest one-hundredth of one percentage point (0.01%) and expressed to two decimal places.
Certificate of Deposits (CD)
| Account Type |
Minimum Opening Deposit |
Interest Rate |
Annual Percentage Yield (APY) |
|---|---|---|---|
| 36 Month Star Saver CD | $250.00 | 1.49% | 1.50% |
| 60 Month Star Saver CD | $250.00 | 1.73% | 1.75% |
| 91 Day CD^^ | $1,000.00 | 0.99% | 1.00% |
| 182 Day CD^^ | $1,000.00 | 4.88% | 5.00% |
| 9 Month CD | $1,000.00 | 1.98% | 2.00% |
| 12 Month CD |
$1,000.00 | 2.47% | 2.50% |
| 13 Month CD |
$1,000.00 | 4.65% | 4.75% |
| 18 Month CD | $1,000.00 | 2.71% | 2.75% |
| 24 Month CD | $1,000.00 | 2.81% | 2.85% |
| 36 Month CD | $1,000.00 |
3.05% | 3.10% |
| 48 Month CD |
$1,000.00 |
3.15% | 3.20% |
| 60 Month CD | $1,000.00 | 3.20% | 3.25% |
Individual Retirement Account (IRA)/Certificate of Deposit (CD)
| Account Type |
Minimum Opening Deposit |
Interest Rate |
Annual Percentage Yield (APY) |
|---|---|---|---|
| 182 Day CD/IRA^^ | $1,000.00 | 4.88% | 5.00% |
| 9 Month CD/IRA | $1,000.00 | 1.98% | 2.00% |
|
12 Month CD/IRA
|
$1,000.00 | 2.47% | 2.50% |
| 13 Month CD/IRA |
$1,000.00 | 4.65% | 4.75% |
| 18 Month CD/IRA | $1,000.00 | 2.71% | 2.75% |
| 24 Month CD/IRA | $1,000.00 | 2.81% | 2.85% |
| 36 Month CD/IRA | $1,000.00 | 3.05% | 3.10% |
| 48 Month CD/IRA | $1,000.00 | 3.15% | 3.20% |
| 60 Month CD/IRA | $1,000.00 | 3.20% | 3.25% |
|
Freedom IRA |
$25.00 | 2.47% | 2.50% |
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance of the account each day. Interest will be compounded daily and will be credited to the account monthly with the exception of the 91 day CD, 182 day CD, and 182 day CD/IRA.
^^ Interest will be compounded daily and will be credited at maturity.
Account disclosures containing additional terms and conditions are available at account opening or upon request.
Fees could reduce the annual percentage yield on the account.
Interest rates have been rounded up to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
APY is based on principal plus interest reinvested at the same rate with interest credited at maturity. A penalty may be imposed for the early withdrawal of any Certificate of Deposit or IRA.