Deposit Rates

All rates and products subject to change without notice.

Checking Rates

Free Checking

Rates Effective: 12/21/2024

Free Checking Rates
Minimum Deposit to Open AccountInterest RateAnnual Percentage Yield**
$10.00N/AN/A

** The Annual Percentage Yield (“APY”) is a percentage rate reflecting the total amount of interest earned on an account, based on the interest rate and the frequency of compounding over a 365 or 366 day period and assumes that principal and interest remains on deposit for one year.

Co-op Green Checking

Rates Effective: 12/21/2024

Co-op Green Checking Account Rates
Minimum Deposit to Open AccountInterest RateAnnual Percentage Yield**
$10.00N/AN/A

** The Annual Percentage Yield (“APY”) is a percentage rate reflecting the total amount of interest earned on an account, based on the interest rate and the frequency of compounding over a 365 or 366 day period and assumes that principal and interest remains on deposit for one year.

Interest Rate on NOW Checking

Rates Effective: 12/21/2024

Interest Rates for the NOW Checking Account
Minimum Deposit to Open AccountInterest RateAnnual Percentage Yield**
$10.000.03%0.03%

** The Annual Percentage Yield (“APY”) is a percentage rate reflecting the total amount of interest earned on an account, based on the interest rate and the frequency of compounding over a 365 or 366 day period and assumes that principal and interest remains on deposit for one year.

Savings Rates

Statement Savings

Rates Effective: 12/21/2024

Statement Savings Account Rates
Minimum Deposit to Open AccountInterest RateAnnual Percentage Yield**
$10.000.05%0.05%
** The Annual Percentage Yield (“APY”) is a percentage rate reflecting the total amount of interest earned on an account, based on the interest rate and the frequency of compounding over a 365 or 366 day period and assumes that principal and interest remains on deposit for one year.

Money Market Rates

Locally Grown Money Market

Rates Effective: 12/21/2024

Rates for the Locally Grown Money Market
Balance and Rate TiersMinimum Deposit to Open AccountInterest RateAnnual Percentage Yield (APY)
$1,000 – $24,999.99$1,000.000.10%0.10%
$25,000 – $99,999.99$1,000.000.75%0.75%
$100,000 and greater$1,000.002.55%2.58%

This product is subject to end or change without notice. 

Money Market Max

Rates Effective: 12/21/2024

Rates for the Money Market Max Account
Balance and Rate TiersMinimum Deposit to Open AccountInterest RateAnnual Percentage Yield
$25,000 – $49,999.99$25,000 balance to open account.
$25,000 balance to earn interest.
0.10%0.10%
$50,000 – $99,999.99$25,000 balance to open account.
$25,000 balance to earn interest.
0.15%0.15%
$100,000 to $249,999.99$25,000 balance to open account.
$25,000 balance to earn interest.
0.15%0.15%
$250,000 and over$25,000 balance to open account.
$25,000 balance to earn interest.
0.25%0.25%

Money Market Savings

Rates Effective: 12/21/2024

Rates for the Money Market Savings Account
Balance and Rate TiersMinimum Deposit to Open AccountInterest RateAnnual Percentage Yield
$1,000 – $9,999.99$1,000.000.10%0.10%
$10,000 – 24,999.99$1,000.000.10%0.10%
$25,000 – $49,999.99$1,000.000.10%0.10%
$50,000 and greater$1,000.000.15%0.15%

CD Rates

Special CD Offerings

Rates Effective: 12/21/2024

Special CD Offering Rates
CD TypeMinimum Deposit to Open AccountInterest RateAnnual Percentage Yield**

15 Month CD

$500.003.25%3.30%

7 Month CD

$500.003.85%3.92%

5 Month CD (not eligible for IRA)

$500.004.00%4.07%

** The Annual Percentage Yield (“APY”) is a percentage rate reflecting the total amount of interest earned on an account, based on the interest rate and the frequency of compounding over a 365 or 366 day period and assumes that principal and interest remains on deposit for one year.

Certificate of Deposit*

Rates Effective: 12/21/2024

Certificate of Deposit Rates*
TermMinimum Deposit to Open AccountInterest RateAnnual Percentage Yield**
3 Month$500.000.05%0.05%
6 Month ‘No Penalty’ CD (not eligible for IRA)1$500.000.15%0.15%
6 Month$500.000.15%0.15%
8 Month (not eligible for IRA)$500.000.15%0.15%
12 Month$500.000.20%0.20%
18 Month$500.000.25%0.25%
24 Month$500.000.30%0.30%
30 Month ‘One Up’ CD (not eligible for IRA)$500.000.35%0.35%
30 Month CD (IRA only)$500.000.35%0.35%
36 Month$500.002.00%2.02%
48 Month$500.000.50%0.50%
60 Month$500.000.90%0.90%

*A substantial penalty may be imposed for early withdrawal. All Certificates of Deposit are eligible for Individual Retirement Accounts unless indicated. Maximum of $500,000. Available for personal and business accounts in our local market area only. No brokered deposits accepted. ** The Annual Percentage Yield (“APY”) is a percentage rate reflecting the total amount of interest earned on an account, based on the interest rate and the frequency of compounding over a 365 or 366 day period and assumes that principal and interest remains on deposit for one year. 1 Withdrawals must be in amounts of $250.00 or more, and be seven (7) days from your last transaction or we will charge you a penalty equal to the loss of ninety-one (91) days of interest.

Individual Retirement Account (IRA) Rates

IRA Savings

Rates Effective: 12/21/2024

IRA Savings Account Rates
Minimum Deposit to Open AccountInterest RateAnnual Percentage Yield**
$10.000.15%0.15%

** The Annual Percentage Yield (“APY”) is a percentage rate reflecting the total amount of interest earned on an account, based on the interest rate and the frequency of compounding over a 365 or 366 day period and assumes that principal and interest remains on deposit for one year.