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Home Personal Banking Today's Deposit Rates

Here Are Today's Deposit Rates:

RewardsPLUS Checking, RewardsPLUS Saver, Rewards Checking and Rewards Saver

Account NameMinimum Balance to Open3.50% AccountMinimum Balance to Obtain APYBalance FromBalance ToRate1APY1Monthly Qualifications2
RewardsPLUS Checking$100.00$0.01$0.01$10,0003.45%3.50%met
$10,000.01and above0.10%range of 3.50% - 0.41% depending on the balancemet
$0.01and above0.05%0.05%not met
RewardsPLUS Saver$100.00$0.01$0.01and above3.45%3.50%met
0.05%0.05%not met
Rewards Checking$100.00$0.01$0.01$15,000.000.85%0.85%met
$15,000.01and above0.10%range of 0.85% - 0.18% depending on the balancemet
$0.01and above0.05%0.05%not met
Rewards Saver$100.00$0.01$0.01and above0.65%0.65%met
0.05%0.05%not met

 


Checking

Account NameMinimum Balance to Open AccountMinimum Balance to Obtain APYBalance FromBalance ToRate1APY1
Prestige Checking$100.00$300.00$300.00$9,999.990.27%0.27%
$10,000.00$19,999.990.30%0.30%
$20,000.00$49,999.990.32%0.32%
$50,000.00and above0.40%0.40%
Commercial Checking with Interest$250.00$0.01$0.01and above0.35%0.35%
earnings credit 0.80%

 


Savings

Account NameMinimum Balance to Open AccountMinimum Balance to Obtain APYBalance FromBalance ToRate1APY1
Savings Account$100.00$300.00$300.00and above0.47%0.47%
Health Savings Account (HSA)$1.00$300.00$300.00$9,999.990.25%0.25%
$10,000.00and above0.40%0.40%
Money Market Account$2,500.00$0.01$0.01$9,999.990.75%0.75%
$10,000.00$24,999.990.80%0.80%
$25,000.00$49,999.990.85%0.85%
$50,000.00and above0.90%0.90%
Business Savings$100.00$300.00$300.00and above0.47%0.47%

 


Certificates of Deposit and IRAs

Account NameMinimum Balance to Open AccountMinimum Balance to Obtain APYBalance FromBalance ToRate1APY1
7 Month CD³$10,000.00$10,000.00$10,000.00and above4.43%4.51%
11 Month CD & IRA Special³$10,000.00$10,000.00$10,000.00and above4.19%4.26%
18 Month Flex CD⁴$1,000.00$1,000.00$1,000.00and above3.95%4.01%
6 Month CD & IRA³

$5,000.00

$3,000.00 for IRA

$5,000.00

$3,000.00 for IRA

$5,000.00$99,999.992.67%2.70.%
$100,000and above2.87%2.90%
12 Month CD & IRA³

$5,000.00

$3,000.00 for IRA

$5,000.00

$3,000.00 for IRA

$5,000.00$99,999.993.02%3.05%
$100,000.00and above3.21%3.25%
24 Month CD & IRA³

$5,000.00

$3,000.00 for IRA

$5,000.00

$3,000.00 for IRA

$5,000.00$99,999.993.60%3.65%
$100,000.00and above3.80%3.85%
36 Month CD & IRA³

$5,000.00

$3,000.00 for IRA

$5,000.00

$3,000.00 for IRA

$5,000.00$99,999.993.80%3.85%
$100,000.00and above3.99%4.05%
48 Month CD & IRA³

$5,000.00

$3,000.00 for IRA

$5,000.00

$3,000.00 for IRA

$5,000.00$99,999.994.04%4.10%
$100,000and above4.23%4.30%

 


Variable Rate IRA

Account NameMinimum Balance to Open AccountMinimum Balance to Obtain APYBalance FromBalance ToRate1APY1
18 Month Variable Rate IRA5$250.00$250.00$250.00and above2.97%3.00%
All rates quoted are valid as of 2/13/2024 unless otherwise noted.
The interest rate and the Annual Percentage Yield (APY) are subject to change at the Bank's discretion, at any time without limitation. We use the daily collected balance method to calculate the interest in your account.   This method applies a daily periodic rate to the principal in the account each day.   Interest will be compounded and credited to your account on the last day of the current statement cycle.   The APY assumes monthly compounding on personal and business checking, money market accounts, HSA accounts; and quarterly compounding on personal and business savings accounts.  Interest begins to accrue no later than when we receive credit on non-cash items (for example, checks).  Fees may reduce earnings. 
RewardsPLUS monthly qualification cycle requirements: at least 1 direct deposit or multiple direct deposits of $500 or more and 20 debit card purchases totaling $75 or more must post and settle to RewardsPLUS Checking account and must be enrolled and agree to receive eStatements.  Rewards Checking monthly qualification cycle requirements: 1 automatic payment or direct deposit and 12 debit card purchases must post and settle to Rewards Checking account and must be enrolled and agree to receive eStatements. 
3 APY assumes quarterly compounding and that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalties may be imposed for early withdrawal.
4 APY assumes quarterly compounding and that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalty may be imposed for early withdrawal if made within the first seven days after account opening. You may close out the CD or make withdrawals in increments of $1,000 without penalty, after the account has been open for 8 days.
5 The interest rate and APY are subject to change at the Bank's discretion, at any time without limitation. APY assumes quarterly compounding and that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalty may be imposed for early withdrawal. You may make additional contributions to your IRA as is allowable by IRS contribution limits.
For municipalities and other public funds please call for a rate quote.