Personal Account Rates

Personal Account Rates

Effective 2/15/2019

Personal Savings Accounts

AccountMinimum to OpenMinimum Balance to
Avoid Monthly
Service Fee
Monthly Service FeeMinimum Balance to
Earn APY*
Interest RateAPY*
Basic Savings 20NoneNone200.050.05
Power Savings2525010$250 -$4,999.990.050.05
$5,000 -$9,999.990.050.05
$10,000 - $24,999.990.100.10
$25,000 -$49,999.990.150.15
$50,000 - $99,999.990.200.20
1000000.250.25
Kids Count Savings5NoneNone00.050.05

Personal Money Markets

Classic Money Market**$100.00$100.00$10.00$0 -$4,999.990.050.05
$5,000 - $9,999.990.050.05
$10,000 - $24,999.990.100.10
$25,000 - $49,999.990.150.15
$50,000 - $99,999.990.200.20
$100,000 - $249,999.990.250.25
$250,000 +0.400.40
Select Money Market$100.00$2500.00$10.00$0 -$4,999.990.050.05
$5,000 - $9,999.990.050.05
$10,000 - $24,999.990.100.10
$25,000 - $49,999.990.150.15
$50,000 - $99,999.990.200.20
$100,000 - $249,999.990.250.25
$250,000 +0.400.40

Checking Accounts

AccountMinimum to OpenMinimum Balance to Avoid Monthly Service FeeMonthly Service FeeMinimum Balance to Earn APY*Interest RateAPY*
Free Checking5NoneNoneNonen/an/a
Student Checking (23 years and younger)NoneNoneNoneNonen/an/a
Advantage Checking25$250.00 or Direct Deposit101000.020.02
Platinum Checking100250014$100 - $24,999.990.050.05
$25,000 - $49,999.990.100.10
$50,000 - $99,999.990.150.15
$100,000 +0.200.20
Senior Checking (55 years +)25NoneNone1000.100.10
Premium Power Package13000$10,000.00 Sweep (Plus $3,000.00 in Premium Power Checking Account)18100000.750.75

Certificate of Deposit and IRA

AccountMinimum to OpenMinimum Balance to Avoid Monthly Service FeeMonthly Service FeeMinimum Balance to Earn APY*Interest RateAPY*
6 Month CD$500.00NoneNone5000.500.50
12 Month CD$500.00NoneNone5000.700.70
15 Month CD$500.00NoneNone5000.750.75
18 Month- Add On CD***$100.00None None1000.800.80
24 Month CD Penalty Free$500.00NoneNone5001.01.0
30 Month CD$500.00None None5001.091.10
36 Month CD$500.00NoneNone5001.241.25
48 Month CD$500.00NoneNone5001.341.35
60 Month CD.00$500NoneNone5001.591.60
Statement IRA****$25.00NoneNone1000.300.30
Special 13 Month CD *****$1000.00NoneNone10002.032.05
Special 25 Month CD*****$1000.00NoneNone10002.232.25

*Annual Percentage Yield
A penalty may be imposed for early withdrawal on certificates of deposits
**Money market accounts and Savings accounts are limited to six third party transfers per statement period (telephone, internet, check, draft, POS, or similar order are limited to 6 per statement cycle). There will be a $15.00 fee for excessive electronic or third party transfers.
Fees may reduce earnings on accounts
Rates may change after account opening
***18-Month Add On CD – may make additional deposits of a minimum of $10.00
****A penalty may be imposed for early withdrawal on individual retirement accounts
*****Limited Time Offer. The 13-Month Special CD will automatically renew for a 12 month term from the initial and each succeeding maturity date at the interest rate then being offered by us for your type of account. The 25-Month Special CD will automatically renew for a 24 month term from the initial and each succeeding maturity date at the interest rate then being offered by us for your type of account.