Rates

Rates as of January 15, 2021

Personal Savings

Account Type Minimum Balance to Open Minimum Balance to Obtain APY Tier APY † Interest Rate
Regular Savings $100.00 $0.01 $0.01 & Over 0.15% 0.15%
Money Market $1,000.00 $0.01 $0.01  - $2,499.99 0.30% 0.30%
      $2,500.00 - $19,999.99 0.35% 0.35%
      $20,000.00 & Over 0.50% 0.50%
Health Savings Account $100.00 $0.01 $0.01 & Over 0.15% 0.15%
Sav-A-Saurus Kids Club $5.00 $0.01 $0.01 & Over 0.15% 0.15%

† APY = Annual Percentage Yield
Fees could reduce earnings / Rates may change after the account is opened

 

Personal Checking

Account Type Minimum Balance to Open Minimum Balance to Obtain APY Tier APY † Interest Rate
Hometown Free Checking $100.00 $0.01 $0.01 & Over 0.00% 0.00%
Super Now Account $1,000.00 $0.01 $0.01  & Over 0.15% 0.15%
Senior Privileges WITHOUT Direct Deposit $100.00 $0.01 $0.01  - $2,999.99 0.10% 0.10%
    $3,000.00 - $5,999.99 0.20% 0.20%
    $6,000.00 & Over 0.35% 0.35%
Senior Privileges WITH Direct Deposit $100.00 $0.01 $0.01  - $2,999.99 0.25% 0.25%
    $3,000.00 - $5,999.99 0.40% 0.40%
    $6,000.00 & Over 0.55% 0.55%

† APY = Annual Percentage Yield
Fees could reduce earnings / Rates may change after the account is opened

 

Business Checking

Account Type Minimum Balance to Open Minimum Balance to Obtain APY Tier APY †  Interest Rate
Business Free Checking $100.00 $0.01 $0.01 & Over 0.00% 0.00%

† APY = Annual Percentage Yield
Fees could reduce earnings / Rates may change after the account is opened

 

Rates – Certificate of Deposit & IRAs

Account Type Mimum Balance to Open & Minimum Balance to Obtain APY Tier APY † Interest Rate
91 Days * $500.00 $500.00 & Over 0.25% 0.25%
182 Days * $500.00 $500.00 & Over 0.30% 0.30%
12 Month ** $500.00 $500.00 & Over 0.40% 0.40%
18 Month ** $500.00 $500.00 & Over 0.50% 0.50%
24 Month ** $500.00 $500.00 & Over 0.60% 0.60%
30 Month ** $500.00 $500.00 & Over 0.60% 0.60%
36 Month ** $500.00 $500.00 & Over 0.70% 0.70%
48 Month ** $500.00 $500.00 & Over 0.70% 0.70%
60 Month ** $500.00 $500.00 & Over 0.80% 0.80%

† A.P.Y. - Annual Percentage Yield

*$500.00 Minimum balance to open. Compounding frequency-maturity.
**$500.00 Minimum balance to open.  Compounding frequency-semiannually.
There is a substantial penalty for early withdrawal including substantial tax penalties on tax deferred instruments
IRAs are only available in the following terms: 12, 18, 24, 30, 36, 48, and 60 month