Rates

Discover More About Account Interest Rates

Member FDIC * Rates and APY effective and accurate as of August 6, 2025
 

Deposit Accounts

Account Type Minimum Deposit Interest Rate APY
Personal Accounts


Reward Checking*
 $50.00
Tiered - See Below
 Tiered - See Below
 $0 - $25,000.00
2.90%
2.94%
$25,000+
0.01%
0.01%
Personal Interest Checking*
$2,500.00
Tiered - See Below
 Tiered - See Below
$0 - $2,499.00

0.15%
0.15%
$2,500 - $9,999.00

0.20%
0.20%
$10,000 - $49,999.99

0.25%
0.25%
 $50,000.00+

0.30%
0.30%
First Choice Checking*
$50.00
0.15%
0.15%
HSA (Trust)* $100 2.85% 2.89%
Business & Public Deposit Accounts



Business 1st Advantage*
 $3,000.00
0.30%
0.30%
Public Interest Checking*
 $2,500.00
Tiered - See Below
Tiered - See Below
$0 - $2,499.00
0.15%
0.15%
$2,500.00 - $9,999.00
0.20%
0.20%
$10,000.00 - $49,999.99
0.25%
0.25%
$50,000+
0.30%
0.30%
IOLTA Accounts
0.40%
0.40%
Public 1st Advantage*
 $3,000.00 0.30%
0.30%
Government 1st Advantage*
 $3,000.00 2.50%
2.53%
*Must meet requirements for higher interest rate
* APY means Annual Percentage Yield
* Fees may reduce earnings
* Rates are variable and may change after account is opened
 

Savings Accounts

Account Type Minimum Deposit Interest Rate APY
Personal Savings Accounts


High-Yield Savings* $3,000 1.55% 1.56%
Savings* $25 .30% .30%
Christmas Club* $5 3.00% 3.00%
Business & Public Savings Accounts


Business Savings* $25.00 0.30% 0.30%
Business & Public High-Yield Savings* $3,000.00 1.55% 1.56%
Public Savings* $25.00 0.30% 0.30%
* Penalty for early withdrawal may be imposed.
* APY means Annual Percentage Yield
* Fees may reduce earnings
* Rates are variable and may change after account is opened
 

Certificate of Deposit

Account Type  Minimum Deposit Interest Rate APY
3 month CD $1,000 2.70% 2.73%
6 month CD* $1,000 2.75% 2.78%
10 month CD $1,000 3.50% 3.55%
12 month CD* $1,000 2.80% 2.83%
18 month CD* $500 2.85% 2.88%
24 month CD* $500 2.90% 2.93%
30 month CD* $500 2.95% 2.98%
36 month CD* $500 3.00% 3.03%
60 month CD* $500 3.05% 3.09%
For balances over $250,000.01, please see an officer.
 
* Interest may be compounded quarterly
* Monthly check only if over $50.00
* APY means Annual Percentage Yield
* No monthly compounding on any CD
* A penalty will or may be imposed for early withdrawal.
 

Retirement Accounts

Account Type Minimum Deposit  Interest Rate APY
IRA (Traditional-Variable)*  $100 2.85% 2.89%
IRA (Roth-Variable)* $100 2.85% 2.89%
IRA (Educational-Variable)* $100 2.85% 2.89%
IRA (Guaranteed-Fixed)* $500 2.75% 2.78%
* Interest compounded monthly
* APY means Annual Percentage Yield
* A penalty will or may be imposed for early withdrawal.
* Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.
 
 

CDARS

Account Type Minimum Deposit Interest Rate APY
3 month (13 wk)* $250,000.01 2.80% 2.83%
6 month (26 wk)* $250,000.01 2.85% 2.88%
1 year (52 wk)* $250,000.01 2.90% 2.93%
3 year (156 wk)* $250,000.01 2.95% 2.98%
* APY means Annual Percentage Yield.
* Fees could reduce earnings on an account.
* A penalty will or may be imposed for early withdrawal.
* Deposit Account and Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.