Personal Account Rates

Personal Account Rates

Effective 4/03/2020

Personal Savings Accounts

AccountMinimum to OpenMinimum Balance to
Avoid Monthly
Service Fee
Monthly Service FeeMinimum Balance to
Earn APY*
Interest RateAPY*
Basic Savings $20NoneNone$200.03%0.03%
Power Savings$25$250$10$.01 up to $249.99.00%.00%
$250 -$24,999.990.03%0.03%
$25,000 -$49,999.990.03%0.03%
$50,000 - $99,999.990.03%0.03%
$100,000 and above0.05%0.05%
Kids Count Savings$5NoneNone$.01 and above0.03%0.03%

Personal Money Markets

Classic Money Market**$100.00$100.00$10.00$.01-$24,999.990.01%0.01%
$25,000-$49,999.990.03%0.03%
$50,000-$99,999.990.03%0.03%
$100,000 and above0.05%0.05%
Select Money Market$100.00$2500.00$10.00$.01 -$24,999.990.01%0.01%
$25,000 - $49,999.990.03%0.03%
$50,000 - $99,999.990.03%0.03%
$100,000 and above0.05%0.05%
Live.Work.Grow Money Market
$.01-$49,999.99.05%.05%
$50,000-$99,999.99.10%.10%
$100,000 and above .25%.25%

Checking Accounts

AccountMinimum to OpenMinimum Balance to Avoid Monthly Service FeeMonthly Service FeeMinimum Balance to Earn APY*Interest RateAPY*
Free Checking$5NoneNoneNonen/an/a
Student Checking (23 years and younger)NoneNoneNoneNonen/an/a
Advantage Checking$25$250.00 or Direct Deposit$10$1000.01%0.01%
Platinum Checking$100$2500$14$100 - $24,999.990.01%0.01%
$25,000 - $49,999.990.03%0.03%
$50,000 - $99,999.990.03%0.03%
$100,000 and above0.05%0.05%
Senior Checking (55 years +)$25NoneNone$1000.01%0.01%
Premium Power Package$13000$10,000.00 Sweep (Plus $3,000.00 in Premium Power Checking Account)$18$100000.40%0.40%

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$500.00NoneNone$5000.55%0.55%
12 Month CD$500.00NoneNone$5000.20%0.20%
15 Month CD$500.00NoneNone$5000.20%0.20%
18 Month- Add On CD***$100.00None None$1000.20%0.20%
24 Month CD Penalty Free$500.00NoneNone$5000.30%0.30%
30 Month CD$500.00None None$5000.40%0.40%
36 Month CD$500.00NoneNone$5000.40%0.40%
48 Month CD$500.00NoneNone$5000.55%0.55%
60 Month CD$500.00NoneNone$5000.60%0.60%
Statement IRA****$25.00NoneNone$1000.01%0.01%

*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