Rates effective as of  5/20/2019

DEPOSIT ACCOUNTS   
ACCOUNT TYPE
INTEREST
RATE
APY
MINIMUM
BALANCE
TO OPEN
ACCOUNT
MINIMUM
BALANCE 
TO EARN
INTEREST
MINIMUM
BALANCE TO AVOID 
SERVICE
CHARGE
SERVICE CHARGE
IF BALANCE FALLS BELOW MINIMUM 
NOW Checking
0.10
0.10
$300.00
$300.00
$300.00
If it falls below $300.00 average daily balance there will be a $10.00 per month charge plus $0.25 per check cleared. 
NOW Checking Advantage for
age 62 or more
0.10
0.10
No
 minimum
balance required.
No
minimum
balance required.

No
minimum balance required

No service charge. 
Business Checking
N/A
N/A
No
minimum
balance required.
N/A.
No
 minimum
balance required
No service charge. 
Passbook Savings
0.10
0.10
$50.00

$50.00

Cannot fall below $50.00.
No service charge. 
Statement Savings
0.10
0.10
$50.00

$50.00

Cannot fall
below $50.00.
No service charge.  
Money Market Deposit Account
0.15
0.15
$2,500.00

 $300.00

Cannot fall
below $300.00

No service charge. 

APY=Annual Percentage Yield
Interest rates and annual percentage yield on deposit accounts are subject to change.
 
CERTIFICATES OF DEPOSIT
CERTIFICATE
TERM
INTEREST
RATE
APY
MINIMUM BALANCE TO OPEN ACCOUNT
EARLY WITHDRAWAL
PENALTY
91 Day
0.15%
0.15%
$1,000.00
1 Month of Interest
6 Month
0.50%
0.50%
$1,000.00
3 Months of Interest
12 Month Certificate
1.35%
1.36%
$1,000.00
3 Months of Interest
18 Month
Certificate
1.40%
1.41%
$1,000.00
6 Months of Interest
36 Month
Certificate
1.65%
1.66%
$1,000.00
6 Months of Interest
48 Month
Certificate
2.00%
2.02%
$1,000.00
12 Months of Interest
60 Month  Certificate


72 Month
Certificate

2.25%



      2.25%    

 

 

2.27%



2.27%

 

 

$1,000.00



$1,000.00

 

12 Months of Interest



12 Months of Interest

 

APY is based on quarterly compounding.
Interest rates are fixed for term of the certificate.
Your account will automatically renew at maturity. You will have 7 calendar days after the maturity date to withdraw your funds without being charged a penalty.
Penalty will be imposed for early withdrawal.
 
JUMBO CERTIFICATES
CERTIFICATE
TERM
INTEREST
RATE
APY
MINIMUM BALANCE TO OPEN ACCOUNT
EARLY WITHDRAWAL
PENALTY
6 Month
 1.90%
 1.92%
$100,000.00
3 Months of Interest
11 or 12 Month
 2.05%
 2.07%
$100,000.00
3 Months of Interest
15 Month
 2.15%
 2.17%
$100,000.00
6 Months of  Interest
2 Year
2.20%
 2.22%
$100,000.00
6 Months of Interest
3 Year
2.25%
 2.27%
$100,000.00
12 Months of Interest
4 Year
2.35%
 2.37%
$100,000.00
12 Months of Interest

 5 Year

6 Year

 2.40% 

2.40%

 2.43%

 2.43%

$100,000.00
           
$100,000.00

    24 Months of Interest

    24 Months of Interest

APY is based on monthly compounding.
Interest rates are fixed for term of the certificate.
No renewal upon maturity, this account will be converted to a regular savings
account and receive earnings at the rate then paid on a regular savings account.
 Penalty will be imposed for early withdrawal.