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 11/18/2024

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TypeAPYInterest RateMinimum BalanceDisclosures
Simply Free Checking0.00%0.00%
Direct Interest Checking0.07%0.07%
Advantage 50 Interest Checking0.07%0.07%
Preferred Interest Checking

Balances 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 11/18/2024

ProductAPYInterest RateMinimum BalanceDisclosures
Christmas Club0.05%0.05%
Select Money Market

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%

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 Savings

Balances 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 Account

Balances 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 11/18/2024

ProductAPYInterest RateMinimum BalanceDisclosures
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 11/18/2024

ProductAPYInterest RateMinimum BalanceDisclosures
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 11/18/2024

ProductAPYInterest RateMinimum BalanceDisclosures
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.