Rates effective as of January 15, 2021
Checking Accounts
| Account | Minimum Required Opening Deposit | Daily Balance Required | APY* |
|---|---|---|---|
| Essential Checking | $0.00 | $0 – $4,999.99 | 0.00% |
| $5,000.00 and over | 0.00% |
Savings / Holiday & Vacation Club Accounts
| Daily Balance Required | Minimum Required Opening Deposit | APY* |
|---|---|---|
| $100.00 – $9,999.99 | $5.00 | 0.02% |
| $10,000.00 – $24,999.99 | $5.00 | 0.02% |
| $25,000.00 and over | $5.00 | 0.02% |
Savings Account for Kids
| Daily Balance Required | Minimum Required Opening Deposit | APY* |
|---|---|---|
| $5.00 – $9,999.99 | $5.00 | 0.02% |
| $10,000.00 – $24,999.99 | $5.00 | 0.02% |
| $25,000.00 and over | $5.00 | 0.02% |
Term Share Certificates and IRAs
| Term | Minimum Required Opening Deposit | APY* |
|---|---|---|
| 3 Months | $1,000.00 | 0.10% |
| 6 Months | $1,000.00 | 0.10% |
| 12 Months | $500.00 | 0.15% |
| 24 Months | $500.00 | 0.20% |
| 36 Months | $500.00 | 0.25% |
| 48 Months | $500.00 | 0.30% |
| 60 Months | $500.00 | 0.35% |
*APY=Annual Percentage Yield. Rates may change after account is opened. There is no early withdrawal penalty imposed on term share certificates.