Current Interest Rates

We offer competitive interest rates and are here to help you make the right investment decisions.

Checking Accounts

Watch your money grow! Earn interest on your checking account balance.

As of 10/30/2026

/wp-content/uploads/sites/2/2023/10/20-0247-RET-1-Business-Online-Agreement.pdf
TypeAPYInterest RateMinimum BalanceDisclosures
Direct Interest Checking0.05%0.05%––
Advantage 50 Interest Checking0.05%0.05%––
Preferred Interest Checking

Balances under $1,500 – 0.05%;

Balances $1,500 or more – 0.10%

Balances under $1,500 – 0.05%;

Balances $1,500 or more – 0.10%

Yes–

*Interest rates are subject to change. Fees could reduce earnings.

Savings Accounts

Start saving! Whatever your goals, we offer competitive rates to get you there.

As of 10/30/2026

ProductAPYInterest RateMinimum BalanceDisclosures
Statement Savings

Balances under $15,000 – 0.05%; Balances $15,000 – $24,999 – 0.15%; Balances $25,000 or more – 0.20%

Balances under $15,000 – 0.05%; Balances $15,000 – $24,999 – 0.15%; Balances $25,000 or more – 0.20%

––
Select Money Market

Balances under $25,000 – 0.35%; Balances $25,000 – $99,999 – 0.60%; Balances $100,000 – $249,999 – 0.70%; Balances $250,000 or more – 0.80%

Balances under $25,000 – 0.35%; Balances $25,000 – $99,999 – 0.60%; Balances $100,000 – $249,999 – 0.70%; Balances $250,000 or more – 0.80%

$10,000–
Money Market Special

Balances $0.01 – $24,999 – 0.35%; Balances $25,000 or more – 4.59%

Balances $0.01 – $24,999 – 0.35%; Balances $25,000 or more – 4.50%

$25,000–
Health Savings Account

Balances under $2,500 – 0.10%; Balances $2,500 – $4,999 – 0.15%; Balances $5,000 or more 0.20%.

Balances under $2,500 – 0.10%; Balances $2,500 – $4,999 – 0.15%; Balances $5,000 or more 0.20%.

––

*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.

**Promotional rates available for new money only. New money is defined as money not currently on deposit with the bank.

Certificates of Deposit Short-Term Accounts

As of 10/30/2026

ProductAPYInterest RateMinimum BalanceDisclosures
3-Month CD0.75%0.75%$500–
6-Month CD1.00%1.00%$500–
9-Month CD1.00%1.00%$500–

Compounded & credited quarterly. Automatic renewal for same term. 7 day grace period for deposits or withdrawals after the maturity date. Penalty for early withdrawal.
*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings. 

Certificates of Deposit Special Long-Term Accounts

As of 10/30/2026

ProductAPYInterest RateMinimum BalanceDisclosures
12-Month CD1.15%1.15%$500–
18-Month CD1.20%1.20%$500–
24-Month CD1.25%1.25%$500–
36-Month CD1.35%1.35%$500–
48-Month CD1.45%1.45%$500–
60-Month CD1.55%1.55%$500–

*$1,000.00 Minimum deposit to open. Early withdrawal penalties may apply.
**Renewal Term is 18 months for the 18 Month CD.
***Renewal Term is 24 months for the 27 Month Jump CD

Certificates of Deposit Special Long-Term Accounts

As of 10/30/2026

ProductAPYInterest RateMinimum BalanceDisclosures
13-Month CD Special*4.84%4.75%$500–
24-Month CD Special*3.81%3.75%$500–
36-Month CD Special*4.37%4.30%$500–
48-Month CD Special*4.47%4.40%$500–

Certificates of Deposit DirectSave*

As of 10/30/2026

ProductAPYInterest RateMinimum BalanceDisclosures
DirectSave1.51%1.50%$25–

Compounded & credited monthly. Must set up ACH transfer of at least $25 per month from a checking account or outside savings account at account opening. Automatic renewal. 7 day grace period. Penalty for early withdrawal.
*Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.