Deposit Rates

Effective as of 06/20/2019

Certificates of Deposit

Account TermMin Deposit to OpenMin Balance to Obtain APYInterest RateAnnual Percentage Yield**Penalty for Early Withdrawal*

13 Month CD

$500.00

$500.00

Without Transaction Account

1 Months Interest

1.75%

1.76%

With Transaction Account

2.00%

2.02%

26 Month CD

$500.00

$500.00

Without Transaction Account

3 Months Interest 

2.00%

2.02%

With Transaction Account

2.25%

2.27%

3 Month CD

$500.00

$500.00

0.60%

0.60%

1 Month's Interest

6 Month CD

$500.00

$500.00

0.80%

0.80%

2 Month's Interest

12 Month CD

$500.00

$500.00 

1.20%

1.21%

3 Month's Interest

18 Month CD

$500.00

$500.00

1.29%

1.30%

3 Month's Interest

24 Month CD

$500.00

$500.00

1.44%

1.45%

3 Month's Interest

30 Month CD

$500.00

$500.00

1.49%

1.50%

4 Month's Interest

36 Month CD

$500.00

$500.00

1.69%

1.70%

4 Month's Interest

48 Month CD

$500.00

$500.00

1.94%

1.96%

6 Months Interest

60 Month CD

$500.00

$500.00

2.18%

2.20%

6 Months Interest

*Penalty for Early Withdrawal
**The Annual Percentage Yield assumes that interest will remain on the account to compound.
FEES MAY REDUCE EARNINGS

Open End CDs

TermMin Opening DepositMin Additional DepositInterest RateAnnual Percentage Yield**Penalty for Early Withdrawal*

24 Month CD

$50.00

$25.00

1.00%

1.00%

3 month's Interest

36 Month CD

$50.00

$25.00

1.24%

1.25%

4 month's Interest

*Penalty for Early Withdrawal
**The Annual Percentage Yield assumes that interest will remain on the account to compound.

 

 Checking Accounts

Account TypesMin Opening DepositInterest Rate Min Balance TiersInterest RateAnnual Percentage Yield*

Green Rewards Checking
Monthly Qualifications for INT

$100.00

$0-40,000.00

0.80%

0.80%

$40,000.00+

0.20%

0.20%

Friends & Neighbors Interest Bearing Checking Acct

$50.00

$0-$1,000.00

0.00%

0.00%

$1,000.00+

0.10%

0.10%

Commercial Business Interest Bearing Checking Acct
for Qualifying Entities

$250.00

$0-$2,000.00

0.00%

0.00%

$2,000.00+

0.10%

0.10%

Captain’s Circle Int Bearing Checking +Benefits

$100.00

$0-$2,500.00

0.10%

0.10%

$2,500.00+

0.15%

0.15%

Money Market
Limited Monthly Withdrawals

$2,500.00

$0-$2,500.00

0.10%

0.10%

$2,500.00

0.15%

0.15%

 *Fees may reduce the earnings on the account

 Savings Accounts

Account TypesMin Opening DepositInterest Rate Min Balance TiersInterest RateAnnual Percentage Yield*

Real Savers
Monthly Qualifications for INT

$50.00

$0-$50,000.00

0.15%

0.15%

$50,000.00+

0.10%

0.10%

Christmas Club Check Prints Oct 15th

$1.00

$10.00

0.15%

0.15%

Explorer Savings

$1.00

None

0.10%

0.10%

Statement Savings

$50.00

$50.00

0.10%

0.10%

* Fees could reduce the earnings on the account

**The rate is determined by the Prime Rate as published in the Money Section of the Wall Street Journal minus 3.00%. If the balance falls below $5,000.00 the rate will adjust to the Prime Rate minus 4.00%

Money Market Invest Accounts

Interest Rate Min Balance TiersMin Opening DepositInterest RateAnnual Percentage Yield*

$0 –$4,999.99

$5,000.00

0.10%

0.10%

$5,000 – $9,999.99

$5,000.00

0.15%

0.15%

$10,000 – $24,999.99

$5,000.00

0.25%

0.25%

$25,000+

$5,000.00

0.75%

0.75%

*Fees may reduce the earnings on the account

 

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