Person checking lending rates on their laptop.

Rates

Current Deposit Rates


Rates and Annual Percentage Yield Effective as of:
September 17, 2025

Certificates of Deposit

Account Type Interest Rate Annual Percentage Yield*
91 Day CD .10% .10%
182 Day CD 1.00% 1.00%
1 Year CD .45% .45%
15 Month CD 3.50% 3.55%
18 Month CD .50% .50%
30 Month CD .70% .70%
36 Month CD .50% .50%
4 Year CD .65% .65%

*The Annual Percentage Yield (APY) assumes funds will remain on deposit for a full year at the advertised rate. A penalty will be imposed for early withdrawal. The minimum daily balance to open an account and earn APY is $500.


Individual Retirement Accounts

Account Type Interest Rate Annual Percentage Yield*
182 Day IRA .45% .45%
1 Year IRA 3.00% 3.03%
30 Month IRA .85% .85%

*The Annual Percentage Yield (APY) assumes funds will remain on deposit for a full year at the advertised rate. A penalty will be imposed for early withdrawal. The minimum daily balance to open an account and earn APY is $100.


Savings Accounts

Account Type Interest Rate Annual Percentage Yield
Savings .05% .05%
Christmas Club .05% .05%

Rates may change after the account is opened. Fees could reduce earnings. For Savings Accounts: Minimum to open is $100 and minimum to earn APY is $30. Minor/non-profit organizations' accounts require $30 to open. For Christmas Club: Minimum amount to open the account and earn APY is $10.


Money Market Accounts

Account Type Interest Rate Annual Percentage Yield
$2,500 - $9,999.99 .15% .15%
$10,000 - $24,999.99 .50% .50%
$25,000 - $99,999.99 .75% .75%
$100,000 - $249,999.99 1.75% 1.76%
$250,000 and up 1.75% 1.76%

Rates may change after the account is opened. Fees could reduce earnings. Minimum amount to open the account and earn the APY is $2,500.











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