Deposit Rates
Savings & Checking
Savings
Interest Rate/APR
APY
Savings ($50 & up) minimum account opening $5
.35%
.35%
Elite Checking - ($500 & up)
.25%
.25%
Business Checking - ($200 & up)
.15%
.15%
Better Money Market
Minimum Balance
Interest Rate/APR
APY
>$2,500
.75%
.75%
NEW! No Penalty Certificates
Certificate Type
Interest Rate/APR
APY
6 Month – $1,000 Minimum
3.20%
3.25%
8 Month – $1,000 Minimum
3.39%
3.45%
12 Month – $1,000 Minimum
2.86%
2.90%
18 Month – $1,000 Minimum
3.49%
3.55%
24 Month – $1,000 Minimum
2.22%
2.25%
36 Month– $1,000 Minimum
2.27%
2.30%
48 Month – $1,000 Minimum
2.32%
2.35%
60 Month – $1,000 Minimum
2.37%
2.40%
Certificates & IRA Certificates (Roth & Traditional)
Certificate Type
Interest Rate/APR
APY
IRA Shares ($50 & up)
.35%
.35%
6 Month Certificate – $1,000 Minimum
3.34%
3.40%
12 Month Certificate – $1,000 Minimum
3.00%
3.05%
24 Month Certificate – $1,000 Minimum
2.38%
2.40%
36 Month Certificate – $1,000 Minimum
2.43%
2.45%
48 Month Certificate – $1,000 Minimum
2.48%
2.50%
60 Month Certificate – $1,000 Minimum
2.52%
2.55%
Kidicate – 24 Month – $100 minimum
2.56%
2.60%
APR = Annual Percentage Rate. APY = Annual Percentage Yield
Rates effective as of 07/10/2026. Rates are subject to change without notice.
Early withdrawal penalties may apply, and fees may reduce potential earnings.
REWARDS do not apply to Special CD(s), and Retirement options are not available for No-Penalty CD(s).