Current Rates

Certificates of Deposit (CDs)

Effective 12-4-2025

CD SPECIALS -  $1000 minimum  / consumer accounts only 

Term	APY*	Interest Rate
9 Month	3.79%	3.75%

$1000 Minimum 

Term	APY*	Interest Rate
3 Month	.75%	.75%
6 Month	1.51%	1.50%
12 Month	2.77%	2.75%
18 Month	2.01%	2.00%
24 Month	2.26%	2.25%
36 Month	2.26%	2.25%
48 Month	2.52%	2.50%
60 Month	3.02%	3.00%

$20,000 and Over 

Term	APY*	Interest Rate
3 Month	.85%	.85%
6 Month	1.61%	1.60%
12 Month	2.87%	2.85%
18 Month	2.11%	2.10%
24 Month	2.36%	2.35%
36 Month	2.36%	2.35%
48 Month	2.62%	2.60%
60 Month	3.12%	3.10%

Account Rates

Account	APY*	Interest Rate	Minimum Opening Balance Requirement
IRA	2.52%	2.50%	$100
HSA $0-$49,999	.50%	.50%	$100
HSA $50,000 - OVER	1.00%	1.00%	$100
HIFI $0 - $19,999	.50%	.50%	$1000
HIFI $20,000 and Over	.75%	.75%	$1000
NOW $0 - $19,999	.50%	.50%	$1000
NOW $20,000 and Over	.75%	.75%	$1000
Savings	.50%	.50%	$100
Child Savings	.50%	.50%	$25
Silver & Gold Christmas Club	2.52%	2.50%	N/A
Prime Money Market $20,000 - $75,000	.50%	.50%	$1000
Prime Money Market $75,000.01 - $150,000	0.75%	0.75%	$1000
Prime Money Market $150,000.01 - $250,000	1.26%	1.25%	$1000
Prime Money Market $250,000.01 and Over	2.27%	2.25%	$1000

SOME RESTRICTIONS MAY APPLY AND RATES MAY VARY. Please contact a bank employee for details.
Penalty for Early withdrawal on CD’s
*Annual Percentage Yield               
Fees may reduce earnings.
Rates are subject to change.

See Truth & Savings Disclosure provided at account opening.

Member FDIC