Current Deposit Rates
NOW Account
(No minimum daily balance to obtain APY)
Rates as of December 21, 2024
| Type | Interest Rate | APY* |
|---|---|---|
| Up to $999.99 | 0.01% | 0.01%* |
| $1,000.00 - $2,499.99 | 0.10% | 0.10%* |
| $2,500.00 and Up | 0.10% | 0.10%* |
Money Market Account
($2,500 minimum daily balance to obtain APY)
Rates as of December 21, 2024
| Type | Interest Rate | APY* |
|---|---|---|
| $2,500.00 - $9,999.99 | 0.15% | 0.15%* |
| $10,000.00 - $24,999.99 | 0.20% | 0.20%* |
| $25,000 and up | 0.25% | 0.25%* |
Savings Account
($50 minimum daily balance to obtain APY)
Rates as of December 21, 2024
| Interest Rate | APY* |
|---|---|
| 0.15% | 0.15%* |
Christmas Club Account
Rates as of December 21, 2024
| Interest Rate | APY* |
|---|---|
| 0.15% | 0.15%* |
CDs
Rates as of December 21, 2024
| Type | Interest Rate | APY* |
|---|---|---|
| 91 Day CD | 0.10% | 0.10%** |
| 182 Day CD | 4.25% | 4.32%** |
| 11 Month CD | 3.65% | 3.70%** |
| 12 Month CD | 3.10% | 3.14%** |
| 12 Month TDOA CD | 2.85% | 2.88%** |
| 18 Month CD | 2.65% | 2.68%** |
| 24 Month CD | 2.65% | 2.68%** |
| 30 Month CD | 2.75% | 2.78%** |
| 36 Month CD | 2.90% | 2.93%** |
| 48 Month CD | 1.70% | 1.71%** |
IRA
($100 minimum daily balance to obtain APY)
Rates as of December 21, 2024
| Interest Rate | APY* |
|---|---|
| 2.25% | 2.27%** |
*Annual Percentage Yield or APY- The annual rate of interest paid on the account which reflects compounding. Rates are subject to change based on market conditions. Please call or come by and see one of our customer service representatives for account opening requirements and disclosures on our checking and savings accounts.
**Annual Percentage Yield or APY- The annual rate of interest paid on the account which reflects compounding. Substantial penalty for early withdrawal. Minimum opening balance and minimum balance to obtain stated APY – $1,000 for all CDs except for 91 Day CDs which have a $5,000 minimum opening balance and the 12 Month TDOA CD which has a $100 minimum opening balance.
Annual Percentage Yield (APY) is accurate as of the date shown above. For variable rate accounts, interest rates and APY may change after the account is opened. For APY or interest information on existing deposit accounts, contact us at 270-736-2212. Fees may reduce earnings.