Rates

CD-Fixed Rate CD Variable Rate IRA Money Market Money Market IRA HSA Personal Checking Business Checking Private Checking Savings Credit Cards Loan Rates

Limited Time CD Specials

19 month 3.46% APY*: Fixed Rate | $5,000 minimum | Personal or Business

11 month 3.77% APY*: Fixed Rate | $5,000 minimum | Personal or Business

7 month 4.29% APY*: Fixed Rate | $5,000 minimum | Personal or Business

To open a CD special, please visit your local office.

*Annual percentage yield effective April 24, 2025. Rate subject to change. Substantial penalty for early withdrawal. Non-personal cap is $250,000.

Find Your Local Office

woman on sofa looking at phone

Deposit Interest Rates

*APY = Annual Percentage Yield
Fees could reduce earnings on these accounts.
Penalty for early withdrawal from a certificate of deposit account may be imposed.

Certificate of Deposit note: $50 Minimum add-on amount for Dollars for Scholars, $500 minimum add-on for all other add-on products.

Unless otherwise noted, rates are effective April 24, 2025 - April 30, 2025

Certificates of Deposit - Fixed Rate

Comparison table of Certificates of Deposit - Fixed Rate
	Min. Opening Deposit	Interest Rate	APY^*
3 Month	$1,000.00	1.50%	1.51%
6 Month	$1,000.00	2.00%	2.01%
12 Month	$1,000.00	2.00%	2.00%
15 Month One Up	$1,000.00	2.00%	2.00%
15 Month Add On	$1,000.00	2.00%	2.00%
18 Month	$1,000.00	2.00%	2.00%
24 Month	$1,000.00	2.00%	2.00%
36 Month	$1,000.00	2.00%	2.00%
48 Month	$1,000.00	2.00%	2.00%
60 Month	$1,000.00	2.00%	2.00%

Certificates of Deposit - Variable Rate

Comparison table of Certificates of Deposit - Variable Rate
	Min. Opening Deposit	Interest Rate	APY^*
21 Month Add On	$1,000.00	2.00%	2.00%
Dollars for Scholars - 36 Month	$300.00	2.30%	2.30%

Variable rate valid through April 30, 2025.

IRA Certificates of Deposit

Comparison table of IRA Certificates of Deposit
	Min. Opening Deposit	Interest Rate	APY^*
6 Month - Fixed Rate	$1,000.00	2.00%	2.01%
12 Month - Fixed Rate	$1,000.00	2.00%	2.00%
18 Month - Fixed Rate	$1,000.00	2.00%	2.00%
24 Month - Fixed Rate	$1,000.00	2.00%	2.00%
36 Month - Fixed Rate	$1,000.00	2.00%	2.00%
60 Month - Fixed Rate	$1,000.00	2.00%	2.00%
21 Month Add On - Variable Rate	$1,000.00	2.00%	2.00%

Variable rate valid through April 30, 2025.

Money Market Account

Comparison table of Money Market Account
	Interest Rate	APY^*
$0–$24,999	0.75%	0.75%
$25,000–$49,999	1.00%	1.00%
$50,000–$99,999	1.15%	1.16%
$100,000–$249,999	1.75%	1.76%
$250,000 and over	2.00%	2.02%

Money Market IRA

Comparison table of Money Market IRA
	Interest Rate	APY^*
$0–$24,999	0.75%	0.75%
$25,000–$49,999	1.00%	1.00%
$50,000–$99,999	1.15%	1.16%
$100,000–$249,999	1.75%	1.76%
$250,000 and over	2.00%	2.02%

Health Savings Accounts

Comparison table of Health Savings Accounts
	Interest Rate	APY^*
$0–$24,999	0.05%	0.05%
$25,000–$49,999	0.05%	0.05%
$50,000–$99,999	0.05%	0.05%
$100,000–$249,999	0.10%	0.10%
$250,000 and over	0.10%	0.10%

Checking Accounts - Personal Interest Bearing & Non-Profit

Comparison table of Checking Accounts - Personal Interest Bearing & Non-Profit
	Interest Rate	APY^*
$0–$24,999	0.01%	0.01%
$25,000–$49,999	0.02%	0.02%
$50,000–$99,999	0.02%	0.02%
$100,000–$249,999	0.02%	0.02%
$250,000 and over	0.03%	0.03%

Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest

Comparison table of Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest
	Interest Rate	APY^*
$0–$24,999	0.01%	0.01%
$25,000–$49,999	0.02%	0.02%
$50,000–$99,999	0.02%	0.02%
$100,000–$249,999	0.02%	0.02%
$250,000 and over	0.03%	0.03%

Private Checking

Comparison table of Private Checking
	Interest Rate	APY^*
$0–$24,999	0.02%	0.02%
$25,000–$49,999	0.03%	0.03%
$50,000–$99,999	0.05%	0.05%
$100,000–$249,999	0.10%	0.10%
$250,000 and over	0.10%	0.10%

Savings Accounts

Comparison table of Savings Accounts
	Interest Rate	APY^*
Statement Savings	0.05%	0.05%
Steps Savings ($100 and over)	0.15%	0.15%
Holiday Savings	0.10%	0.10%

Credit Cards

Consumer Visa^® Classic and Platinum Cards

13.900% APR*

Annual fee:

Classic: $15
Platinum: fee waived

Personal Credit Cards

Business Visa^®

14.900% APR*

Business Credit Cards

Loan Rates

Contact your local office for current rates of personal and business loans including fixed-term or adjustable-rate mortgages, lot and construction loans, other personal installment loans and more!

Personal Loan Options Business Loans Options

Additional loan disclosures

Rates are subject to change without notice and based upon credit approval. Please visit a lender for current information about our loan rates. Stated rates are for purchase money transactions or refinance transactions with no cash-out. (Cash-out is defined as any additional funds disbursed other than refinancing the first mortgage). The actual interest rate available to you will be based on your credit history and individual loan to approved value ratio.