Current Rates

Checking Accounts

Effective Date: 3-02-2010
Personal & Commercial
50+ & NOW Rates
Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)
< $800 0.10% 0.10%
< $5,000 0.15% 0.15%
< $10,000 0.20% 0.20%
> $10,000 0.25% 0.25%
Money Market Accounts
Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)
< $1,000 0.10% 0.10%
< $10,000 0.20% 0.20%
< $30,000 0.30% 0.30%
> $30,000 0.50% 0.50%

 Minimum Balance to Open and Obtain APY: $100.00
 Rates subject to change at any time
 Fees may reduce earnings

Savings Accounts

Personal & Commercial
Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)
< $10,000 .25% .25%
< $30,000 .30% .30%
< $50,000 .60% .60%
< $100,000 .85% .85%
> $100,000 1.05% 1.05%

 Minimum Balance to Open and Obtain APY: $100.00 (excluding Minor Accounts)
 Rates subject to change at any time
 Fees may reduce earnings

CDs & IRAs

Personal & Commercial
Term Interest Rate Annual Percentage Yield (APY)
91 Days .50% .50%
182 Days .70% .70%
1 Year 1.05% 1.05%
 18 Months 1.24% 1.25%
2 Years 1.89% 1.90%
 30 Months 2.13% 2.15%
3 Years 2.23% 2.25%
4 Years 2.62% 2.65%
5 Years 2.72% 2.75%
18 Month Variable IRA* 2.23%  2.25% 
Minimum Balance to Open and Obtain APY: $1,000.00
A penalty may be imposed for early withdrawal of any CD or IRA
*Minimum Balance to Open and Obtain APY for 18 Month Variable IRA: $100.00
*Minimum Amount for Contributions to IRA: $25.00
*Rates are subject to change at any time