Rates

Rates as of 12-01-2021

Checking and Savings Accounts

NOW Account*

BalanceInterest RateAnnual 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*

BalanceInterest RateAnnual 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*

BalanceInterest RateAnnual 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* 

BalanceInterest RateAnnual 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**

BalanceInterest RateAnnual 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**

BalanceInterest RateAnnual 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**

BalanceInterest RateAnnual 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**

BalanceInterest RateAnnual 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**

BalanceInterest RateAnnual Percentage Yield
$250+ 0.40% 0.40%

$250.00 minimum deposit to open account.

36 Month CD**

BalanceInterest RateAnnual 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**

BalanceInterest RateAnnual 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**

BalanceInterest RateAnnual 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(*) (**)

BalanceInterest RateAnnual Percentage Yield
$10 0.25% 0.25%

$10.00 minimum deposit to open account.

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

BalanceInterest RateAnnual Percentage Yield
$1,000 0.50% 0.50%

$1,000.00 minimum deposit to open account.

12 Month Roth IRA(*) (**)

BalanceInterest RateAnnual Percentage Yield
$25 0.20% 0.20%

$25.00 minimum deposit to open account.

Educational Savings

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

BalanceInterest RateAnnual 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.

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