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.