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As of May 12, 2017

* Annual Percentage Yields *APY and Interest Rates quoted here are subject to change at any time. ** Minimum Balance required to earn the APY. Ask a Bank Representative for details.


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Deposit Accounts Interest Rate *APY **Minimum Balance
VIP Free Interest Checking and 50+ Interest Checking 0.15% 0.15% $0
High Interest Checking
0.25%
0.25%
$1500
Business Interest Checking 0.25% 0.25% $1500
Regular Savings Account 0.25% 0.25% $10
Health Savings Account 0.25% 0.25% $100
Working Money Account tier 1
0% 0% $0 - $4,999.99
Working Money Account tier 2
0.10% 0.10% $5,000 - $24,999.99
Working Money Account tier 3 0.25% 0.25% $25,000 - $49,999.99
Working Money Account tier 4 0.35% 0.35% $50,000 - and above
2017 Christmas Club 0.50% 0.50% $10
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Certificates of Deposit Interest Rate *APY **Minimum Balance
10 Month ^ 0.45% 0.45% $1,000
25 Month 1.30% 1.30% $1,000
29 Month ^ 0.75% 0.75% $1,000
38 Month ^ 1.00% 1.00% $1,000
58 Month ^ 1.20% 1.20% $1,000
96 Month 1.59% 1.60% $1,000
32 Day ^ 0.10% 0.10% $5,000
90 Day ^ 0.15% 0.15% $5,000
6 Month ^ 0.25% 0.25% $1,000
12 Month ^ 0.30% 0.30% $1,000
18 Month ^ 0.45% 0.45% $1,000
24 Month ^ 0.50% 0.50% $1,000
30 Month ^ 0.60% 0.60% $1,000
36 Month ^ 0.80% 0.80% $1,000
48 Month ^ 0.90% 0.90% $1,000
60 Month ^ 1.15% 1.15% $1,000

^Available as an I.R.A. account.



Disclosure For All Interest Bearing Deposit Accounts

The following applies to all interest bearing accounts listed on this page. The interest rate and Annual Percentage Yield (APY) are subject to change at any time.

  • Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly.
  • Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example checks)
  • All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
  • If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. If you do not tell us you are closing your account you will not receive your accrued interest.
  • Effect of Fees: fees may reduce earnings.