Rates

Rates as of 12-01-2021

Checking and Savings Accounts

NOW Account*

Balance	Interest Rate	Annual Percentage Yield
All Balances	0.03%	0.03%

$100.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01.

Savings Account/Christmas Club*

Balance	Interest Rate	Annual Percentage Yield
Under $2,500	0 .05%	0.05%
$2,500-$4,999	0.05%	0.05%
$5,000-$9,999	0.05%	0.05%
$10,000+	0.05%	0.05%

$100.00 minimum deposit to open a savings account. $10.00 minimum deposit to open a Christmas Club account. The minimum balance required to obtain the APY is $0.01.

Money Market Savings*

Balance	Interest Rate	Annual Percentage Yield
Under $2,500	0.05%	0.05%
$2,500-$4,999	0.05%	0.05%
$5,000-$24,999	0.05%	0.05%
$25,000+	0.05%	0.05%

$100.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01.

Money Tree Savings* | Junior Savings*

Balance	Interest Rate	Annual Percentage Yield
All Balances	0.10%	0.10%

$10.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01.

Certificates of Deposit

6 Month CD**

Balance	Interest Rate	Annual Percentage Yield
$1,000+	0.10%	0.10%
$10,000+	0.10%	0.10%
$100,000+	0.10%	0.10%

$1,000.00 minimum deposit to open account.

12 Month CD**

Balance	Interest Rate	Annual Percentage Yield
$1,000+	0.20%	0.20%
$10,000+	0.20%	0.20%
$100,000+	0.20%	0.20%

$1,000.00 minimum deposit to open account.

18 Month CD**

Balance	Interest Rate	Annual Percentage Yield
$1,000+	0.25%	0.25%
$10,000+	0.25%	0.25%
$100,000+	0.25%	0.25%

$1,000.00 minimum deposit to open account.

24 Month CD**

Balance	Interest Rate	Annual Percentage Yield
$1,000+	0.30%	0.30%
$10,000+	0.30%	0.30%
$100,000+	0.30%	0.30%

$1,000.00 minimum deposit to open account.

Money Tree 36 Month CD**

Balance	Interest Rate	Annual Percentage Yield
$250+	0.40%	0.40%

$250.00 minimum deposit to open account.

36 Month CD**

Balance	Interest Rate	Annual Percentage Yield
$1,000+	0.40%	0.40%
$10,000+	0.40%	0.40%
$100,000+	0.40%	0.40%

$1,000.00 minimum deposit to open account.

48 Month CD**

Balance	Interest Rate	Annual Percentage Yield
$1,000+	0.45%	0.45%
$10,000+	0.45%	0.45%
$100,000+	0.45%	0.45%

$1,000.00 minimum deposit to open account.

60 Month CD**

Balance	Interest Rate	Annual Percentage Yield
$1,000+	0.50%	0.50%
$10,000+	0.50%	0.50%
$100,000+	0.50%	0.50%

$1,000.00 minimum deposit to open account.

Individual Retirement Accounts

18 Month IRA⁽*⁾ ⁽**⁾

Balance	Interest Rate	Annual Percentage Yield
$10	0.25%	0.25%

$10.00 minimum deposit to open account.

60 Month IRA and 60 Month Roth IRA⁽*⁾ ⁽**⁾

Balance	Interest Rate	Annual Percentage Yield
$1,000	0.50%	0.50%

$1,000.00 minimum deposit to open account.

12 Month Roth IRA⁽*⁾ ⁽**⁾

Balance	Interest Rate	Annual Percentage Yield
$25	0.20%	0.20%

$25.00 minimum deposit to open account.

Educational Savings

12 Month Coverdell Educational Savings Account⁽*⁾ ⁽**⁾

Balance	Interest Rate	Annual Percentage Yield
$25	0.20%	0.20%

$25.00 minimum deposit to open account.

Heritage Club Receives the $10,000+ Tier APY if Balance is < $100,000

Balance: The amount of principle in the account each day.
*The interest rate and annual percentage yield may change after account opening.
**A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.

Rates

Checking and Savings Accounts

NOW Account*

Savings Account/Christmas Club*

Money Market Savings*

Money Tree Savings* | Junior Savings*

Certificates of Deposit

6 Month CD**

12 Month CD**

18 Month CD**

24 Month CD**

Money Tree 36 Month CD**

36 Month CD**

48 Month CD**

60 Month CD**

Individual Retirement Accounts

18 Month IRA(*) (**)

60 Month IRA and 60 Month Roth IRA(*) (**)

12 Month Roth IRA(*) (**)

Educational Savings

12 Month Coverdell Educational Savings Account(*) (**)

Site Notice:

18 Month IRA⁽*⁾ ⁽**⁾

60 Month IRA and 60 Month Roth IRA⁽*⁾ ⁽**⁾

12 Month Roth IRA⁽*⁾ ⁽**⁾

12 Month Coverdell Educational Savings Account⁽*⁾ ⁽**⁾