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CONSUMER ACCOUNT RATES

Click here to download our current Consumer Account Rate sheet.

This document includes rates for:

  • Certificates of Deposit
  • Individual Retirement Accounts
  • Savings Accounts
  • Premier Interest Checking Accounts
  • 50+ Interest Checking Accounts
  • Direct Interest Checking Accounts
  • First Rate Checking Accounts
  • Variable Rate Health Savings Accounts
  • Long Term Care Checking Accounts

Certificates of Deposits

Regular CDs & Fixed Rate IRAs

Substantial Penalty for Early Withdrawal Minimum Opening Deposit $500

Last Updated: August 12, 2022

TermInterest RateAPY¹
3 Months 0.45 0.45
6 Months 0.80 0.80
12 Months 1.00 1.00
24 Months# 0.90 0.90
36 Months# 1.00 1.00
48 Months# 1.05 1.05
60 Months# 1.10 1.10

Step-Up / Step-Out CDs

Minimum Deposit Amount: $5,000
CD Terms: 24, 36, 48 or 60 Months
Step-Up / Step-Out CDs offer additional benefits such as:

A. The option to increase your interest rate twice within the term of your CD. Plus, when you increase your interest rate, you lock in that rate by extending your maturity date one year.
B. The ability to make an annual withdraw of up to 20% of your original investment with no penalty after the first 6 days of deposit.

Step-up Step-Out disclosure available upon request

#Relationship Rate Increase: On new or existing CD’s with balances of $10,000 and over, we will add 0.25% APY1 to the stated rate if you have a new or existing checking or loan account with us.

CHECKING ACCOUNT RATES

50+ Interest Checking

Minimum Opening Deposit $50

Last Updated: March 9, 2022

Minimum Average Daily Collected Balance to obtain APY¹Interest RateAPY¹
$0.00 & Over 0.05 0.05

Direct Interest Checking

Minimum Opening Deposit $50

Last Updated: March 9, 2022

Minimum Average Daily Collected Balance to obtain APY¹Interest RateAPY¹
$0.00 & Over 0.05 0.05

Premier Interest Checking

Minimum Opening Deposit $50

Last Updated: March 9, 2022

Minimum Average Daily Collected Balance to obtain APY¹Interest RateAPY¹
$0.00 - $1,499.99 0.05 0.05
$1,500 & Over 0.08 0.08

Business Interest Checking²

Minimum Opening Deposit $50

Last Updated: March 9, 2022

Minimum Balance to obtain APY¹Interest RateAPY¹
$0.00 - $24,999.99 0.05 0.05
$25,000 - $99,999.99 0.08 0.08
$100,000 & Over 0.08 0.08

SAVINGS ACCOUNT RATES

Premier Money Market

Minimum Opening Deposit $50,000

Last Updated: August 12, 2022

Minimum Average Daily Collected Balance to obtain APY¹Interest RateAPY¹
$0.00 - $49,999.99 0.15 0.15
$50,000 - $99,999.99 0.25 0.25
$100,000 & Over 0.35 0.35

Regular Savings

Minimum Opening Deposit $50

Last Updated: March 9, 2022

Minimum Average Daily Collected Balance to obtain APY¹Interest RateAPY¹
$0.00 0.05 0.05

Wiz Kidz Savings² & Christmas Club Savings²

Minimum Opening Deposit $10

Last Updated: March 9, 2022

Minimum Daily Collected Balance to obtain APY¹Interest RateAPY¹
$0.00 0.05 0.05

Variable Rate IRA²

Minimum Opening Deposit $100

Last Updated: March 9, 2022

Minimum Balance to obtain APY¹Interest RateAPY¹
$0.00 0.10 0.10

Health Savings Account²

Minimum Opening Deposit $10

Last Updated: March 9, 2022

Minimum Average Daily Collected Balance to obtain APY¹Interest RateAPY¹
$0.00 0.05 0.05

¹APY = Annual Percentage Yield
²Rates may change after account is opened. Fees may reduce earnings.