Current Rates & APY

Rates & Annual Percentage Yields

Effective Date : 01/23/2025

CHECKING ACCOUNTS

Account Variable Rate APY Minimum to Open
INTEREST CHECKING (non - personal) 0.050% 0.050% $500.00
NOW 0.050% 0.050% $500.00
SUPER NOW 0.050% 0.050% $2,500.00

**APY-Annual Percentage Yield

MONEY MARKET DEMAND ACCOUNT

Account Variable Rate APY Minimum to Open
MMDA 0.100% 0.100% $2,500.00
MMDA JUMBO 0.250% 0.250% $50,000.00

**Should the Super Now, MMDA or MMDA Jumbo account balance fall below minimum the interest will be paid at the NOW rate

**APY-Annual Percentage Yield

SAVINGS ACCOUNT

Account Variable Rate APY Minimum to Open
STATEMENT SAVINGS 0.050% 0.050% $10.00
CHRISTMAS SAVINGS 0.050% 0.050% $10.00

**APY-Annual Percentage Yield

CERTIFICATES OF DEPOSIT

Account Variable Rate APY Minimum to Open Penalties
91 DAYS CD 0.250% 0.250% $2,500.00 Loss of Interest
182 DAYS CD 1.500% 1.505% $2,500.00 3 Months Interest
365 DAYS CD 2.000% 2.015% $2,500.00 3 Months Interest
15 MOS CD 0.500% 0.500% $1,000.00 3 Months Interest
18 MOS CD 0.500% 0.500% $1,000.00 6 Months Interest
24 MOS CD 0.650% 0.651% $1,000.00 6 Months Interest
30 MOS CD 0.700% 0.701% $1,000.00 6 Months Interest
36 MOS CD 0.850% 0.852% $1,000.00 6 Months Interest
48 MOS CD 1.000% 1.003% $1,000.00 6 Months Interest
60 MOS CD 1.250% 1.255% $1,000.00 6 Months Interest

**APY-Annual Percentage Yield

CERTIFICATES OF DEPOSIT SPECIALS

Account Variable Rate APY Minimum to Open Penalties
7 Months 4.250% 4.320% $2,500.00 3 Months Interest
13 Months 3.950% 2.015% $2,500.00 3 Months Interest
25 Months 2.750% 2.778% $1,000.00 6 Months Interest
37 Months 2.000% 2.015% $1,000.00 6 Months Interest

**APY-Annual Percentage Yield

INDIVIDUAL RETIREMENT ACCOUNTS

Account Variable Rate APY Minimum to Open Penalties
IRA 2.000% 2.018% $100.00 * Subject to State & Federal Penalties

**CD's- penalty will be imposed for early withdrawal.

**Fees could reduce earnings on accounts

**APY- The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

**IRA- Customers should consult with a tax professional to determine if certain qualifications are met to make eligible  contributions to an IRA account. Certain distributions may be subject to early withdrawal penalties imposed by the IRS, as well as, additional Federal and State income tax.

** PLEASE CONTACT US AT (812) 254-2370 TO OBTAIN CURRENT RATES **

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