Rates Subject to Change Weekly!
Certificates require a minimum opening balance of $1,000.00 and IRA’s require a minimum opening balance of $500.00. Money Market and Checking accounts require a minimum opening balance of $50.00 and Savings accounts require a minimum opening balance of $25.00. Interest will be compounded every month for checking accounts, and quarterly for savings accounts. 1 and 3 month Certificates will compound at Maturity. All other Certificates and IRA’s will compound Semi-Annually. A penalty could be imposed on early withdrawals of Certificates and IRA’s. Fees could reduce earnings on the account.
CD / IRA RATES
| Term | Minimum Opening Balance | Certificate Rates | APY* Compound Period | IRA Rates | IRA APY* |
|---|---|---|---|---|---|
| 3 MONTHS | $1,000.00 | 2.50% | 2.52% Maturity | N/A | N/A |
| 6 MONTHS |
$1,000.00 $500.00 IRA |
3.25% |
3.28% Semi-Annually |
3.40% | 3.43% |
| 12 MONTHS |
$1000.00 $500.00 IRA |
3.50% | 3.53% Semi-Annually |
3.65% | 3.68% |
| 18 MONTHS |
$1,000.00 $500.00 IRA |
3.50% |
3.53% Semi-Annually |
3.65% | 3.68% |
| 24 MONTHS |
$1,000.00
$500.00 IRA
|
3.50% |
3.53% Semi-Annually |
3.65% | 3.68% |
| 36 MONTHS |
$1,000.00 |
3.00% | 3.02% Semi-Annually |
3.15% | 3.18% |
| 48 MONTHS |
$1,000.00
$500.00 IRA
|
3.00% | 3.02% Semi-Annually |
N/A | N/A |
| 60 MONTH |
$1,000.00
$500.00 IRA
|
3.25% | 3.28% Semi-Annually | 3.40% | 3.43% |
COMMUNITY MONEY MARKET RATES**
| Interest Rate | APY* | |
|---|---|---|
| 0 to $25,000.00 | 1.25% | 1.26% |
| $25,001.00 to $50,000.00 | 1.50% | 1.51% |
| $50,001.00 to $100,000.00 | 1.75% | 1.76% |
| $100,001.00 to $249,999.00 |
2.00% | 2.02% |
| $250,000.00 & Above |
2.25% | 2.27% |
** A Minimum of $1,000.00 is required for Money Market Accounts to avoid a $10.00 service charge.
WALL STREET CHECKING***
| Interest Rate | APY* | |
|---|---|---|
| 0 to $2,499.99 | 0.40% | 0.40% |
| $2,500.00 & ABOVE | 0.50% | 0.50% |
*** A Minimum of $1,000.00 is required for Wall Street Checking to avoid a $8.00 service charge.
50+ CHECKING
| Interest Rate | APY* | |
|---|---|---|
| $6.00 service charge if the account falls below $100.00 | 0.50% | 0.50% |
NO MINIMUM INTEREST CHECKING
| Interest Rate | APY* | |
|---|---|---|
| $4.00 per month service charge. | 0.40% | 0.40% |
LOW MINIMUM INTEREST CHECKING****
| Interest Rate | APY* | |
|---|---|---|
| $6.00 service charge if the account falls below $500.00. |
0.40% | 0.40% |
PASSBOOK SAVINGS
| Interest Rate | APY* | |
|---|---|---|
| $3.00 service charge if account falls below $25.00. Nine withdraws per quarter free of charge. $.50 per withdraw after nine. | 1.25% | 1.26% |
*Annual Percentage Yield