Deposit Rates
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|
|
Rate |
APY |
Minimum Balance to Obtain APY |
Minimum Balance to Open |
|---|---|---|---|---|
Checking Accounts |
||||
| MMDA Business, Personal, Non-Personal and Public Funds | ||||
| $25.00 to $49,999 | 0.45% | 0.45% | $25.00 | $25.00 |
| $50,000 to $249,999 | 0.65% | 0.65% | $50,000.00 | $25.00 |
| $250,000 to $999,999 | 0.85% | 0.85% | $250,000.00 | $25.00 |
| $1,000,000 and above | 2.60% | 2.63% | $1,000,000.00 | $25.00 |
| MMDA 1st Class Public Funds | ||||
| $1.00 to $499,999 | 0.75% | 0.75% | $1.00 | $1.00 |
| $500,000 to $999,999 | 1.00% | 1.00% | $500,000.00 | $1.00 |
| $1,000,000 to $1,999,999 | 2.30% | 2.32% | $1,000,000.00 | $1.00 |
| $2,000,000 and above | 2.60% | 2.63% | $2,000,000.00 | $1.00 |
| Public Funds Interest Checking | 0.25% | 0.25% | $25.00 | $25.00 |
| IOLTA | 0.25% | 0.25% | $25.00 | $25.00 |
| NOW Sole Proprietor | 0.10% | 0.10% | $25.00 | $25.00 |
| NOW Non-Personal | 0.10% | 0.10% | $25.00 | $25.00 |
|
Senior Checking
less than $5,000
|
0.10% | 0.10% | $25.00 | $25.00 |
|
Senior Checking
over $5,000
|
0.10% | 0.10% | $25.00 | $25.00 |
|
Health Savings Acct
less than $5,000
|
0.10% | 0.10% | $25.00 | $25.00 |
|
Health Savings Acct
over $5,000
|
0.10% | 0.10% | $25.00 | $25.00 |
Savings Accounts |
||||
| Passbook Savings | 0.15% | 0.15% | $100.00 | $25.00 |
| Statement Savings Personal | 0.15% | 0.15% | $100.00 | $25.00 |
| Statement Savings Non-Personal | 0.15% | 0.15% | $100.00 | $25.00 |
| Statement Savings Plus Personal | 0.20% | 0.20% | $25.00 | $25.00 |
| Statement Savings Plus Non-Personal | 0.20% | 0.20% | $25.00 | $25.00 |
Club Accounts |
0.15% | 0.15% | $0.01 | $1.00 |
Certificates of Deposit/IRA |
||||
| Fixed Rate: | ||||
| 7-91 days | 0.15% | 0.15% | $1,000.00 | $1,000.00 |
| 6 months | 0.15% | 0.15% | $1,000.00 | $1,000.00 |
| 12 months | 0.25% | 0.25% | $1,000.00 | $1,000.00 |
| 13 months | 4.15% | 4.23% | $1,000.00 | $1,000.00 |
| 18 months | 0.30% | 0.30% | $1,000.00 | $1,000.00 |
| 24 months | 0.35% | 0.35% | $1,000.00 | $1,000.00 |
| 25 months | 4.15% | 4.23% | $1,000.00 | $1,000.00 |
| 30 months | 0.40% | 0.40% | $1,000.00 | $1,000.00 |
| 36 months | 3.50% | 3.56% | $1,000.00 | $1,000.00 |
| 48 months | 0.50% | 0.50% | $1,000.00 | $1,000.00 |
| 60 months | 0.60% | 0.60% | $1,000.00 | $1,000.00 |
| 61 months | 1.80% | 1.81% | $1,000.00 | $1,000.00 |
| Variable Rate: | ||||
| 12 month variable rate | 0.85% | 0.85% | $500.00 | $500.00 |
| IRA Savings | 0.15% | 0.15% | $0.01 | $25.00 |
The Annual Percentage Yield (APY) is effective as of January 25, 2023.
Interest rates may change after the account is opened.
Fees could reduce earnings.
MMDA Business, Personal, Non-Personal and Public Funds, Statement Savings Plus and Statement Savings Plus Non-Personal: A minimum balance of $5,000 is required to avoid a monthly service fee of $15.00.
MMDA 1st Class Public Funds: A minimum balance of $10,000 is required to avoid a monthly service fee of $15.00.
Public Funds Interest Checking: An average balance of $15,000 is required to avoid a monthly service fee of $75.00. An average balance of $30,000 is required to avoid a monthly service fee of $50.00. An average balance of $60,000 is required to avoid a monthly service fee of $25.00.
Fixed Rate CD: A penalty may be imposed for early withdrawals.
Variable rate CD: Withdrawals in excess of one per month will be subject to penalty.
Please see an account representative for details.
