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 1.75% 1.76% $25.00 $25.00
   $50,000 to $249,999 2.00% 2.02% $50,000.00 $25.00
   $250,000 to $999,999 2.25% 2.27% $250,000.00 $25.00
   $1,000,000 and above 3.15% 3.20% $1,000,000.00 $25.00
MMDA 1st Class Public Funds



   $1.00 to $499,999    2.00% 2.02% $1.00 $1.00
   $500,000 to $999,999 2.35% 2.38% $500,000.00 $1.00
   $1,000,000 to $1,999,999 2.50% 2.53% $1,000,000.00 $1.00
   $2,000,000 and above 3.15% 3.20% $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 4.25% 4.33% $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 4.00% 4.07% $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 1.25% 1.26% $500.00 $500.00





IRA Savings 0.15% 0.15% $0.01 $25.00





The Annual Percentage Yield (APY) is effective as of April 26, 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 ledger balance of $10,000 is required to avoid a monthly service fee of $15.00

NOW Sole Proprietor and NOW Non Personal:  An average ledger balance of $500 is required to avoid a monthly service fee of $10.00

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.