Current Rates

Checking Accounts

Effective Date: 09-30-2011
Personal & Commercial
50+ & NOW Rates
Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)
< $800 0.10% 0.10%
< $5,000 0.10% 0.10%
< $10,000 0.10% 0.10%
> $10,000 0.10% 0.10%
Money Market Accounts
Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)
< $1,000 0.10% 0.10%
< $10,000 0.10% 0.10%
< $30,000 0.15% 0.15%
> $30,000 0.20% 0.20%

 Minimum Balance to Open and Obtain APY: $100.00
 Rates subject to change at any time
 Fees may reduce earnings

Savings Accounts

Personal & Commercial
Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)
< $10,000 .10% .10%
< $30,000 .15% .15%
< $50,000 .20% .20%
< $100,000 .30% .30%
> $100,000 .40% .40%

 Minimum Balance to Open and Obtain APY: $100.00 (excluding Minor Accounts)
 Rates subject to change at any time
 Fees may reduce earnings

CDs & IRAs

Personal & Commercial
Term Interest Rate Annual Percentage Yield (APY)
91 Days .15% .15%
182 Days .30% .30%
1 Year .40% .40%
 18 Months .50% .50%
2 Years .85% .85%
 30 Months .95% .95%
3 Years 1.00% 1.00%
4 Years 1.74% 1.75%
5 Years 1.99% 2.00%
18 Month Variable IRA* 1.00%  1.00% 
Minimum Balance to Open and Obtain APY: $1,000.00
A penalty may be imposed for early withdrawal of any CD or IRA
*Minimum Balance to Open and Obtain APY for 18 Month Variable IRA: $100.00
*Minimum Amount for Contributions to IRA: $25.00
*Rates are subject to change at any time