Personal
Deposit Rates
Deposit Rates
Companion Deposit Account*
Rates Effective: 09/01/2026
| Product | Annual Percentage Yield (APY) | Minimum Deposit to Open | Annual Interest Rate | Minimum Daily Balance to Earn Stated APY |
|---|---|---|---|---|
| Companion Deposit Account | 3.35% | $10.00 | 3.30% | $10.00 |
*Accounts must be associated with a CD. Fees could reduce earnings on the account. *Rate may change after account opening.
Select Money Market Account*
Rates Effective: 09/01/2026
| Select Money Market Account | Annual Percentage Yield (APY) | Annual Interest Rate | Minimum Deposit to Open | Minimum Daily Balance to Earn Stated APY |
|---|---|---|---|---|
| TIER 1 | 0.10% | 0.10% | $10.00 | $0.01 |
| TIER 2 | 1.36% | 1.35% | $10.00 | $2,500.00 |
| TIER 3 | 1.66% | 1.65% | $10.00 | $25,000.00 |
| TIER 4 | 1.97% | 1.95% | $10.00 | $75,000.00 |
*Rate may change after account opening. Fees could reduce earnings on the account.
Certificates of Deposit & IRA Certificates of Deposit
Rates Effective: 09/01/2026
| Term | Annual Percentage Yield (APY) | Minimum Deposit to Open | Annual Interest Rate | Minimum Daily Balance to Earn Stated APY |
|---|---|---|---|---|
| 5 Months | 0.70% | $1,000.00 | 0.70% | $1.00 |
| 6 Months | 0.75% | $1,000.00 | 0.75% | $1.00 |
| 12 Months | 1.01% | $1,000.00 | 1.00% | $1.00 |
| 18 Months | 1.31% | $1,000.00 | 1.30% | $1.00 |
| 24 Months | 1.36% | $1,000.00 | 1.35% | $1.00 |
| 30 Months | 1.51% | $1,000.00 | 1.50% | $1.00 |
| 36 Months | 1.56% | $1,000.00 | 1.55% | $1.00 |
| 48 Months | 1.56% | $1,000.00 | 1.55% | $1.00 |
| 60 Months | 1.56% | $1,000.00 | 1.55% | $1.00 |
A penalty may be imposed for early withdrawals.
Savings Accounts
Rates Effective: 09/01/2026
| Savings Product | Annual Percentage Yield (APY) | Annual Interest Rate | Minimum Deposit to Open | Minimum Daily Balance to Earn Stated APY |
|---|---|---|---|---|
| Statement Savings Account | 0.01% | 0.01% | $10.00 | $100.00 |
| Savers Money Market | 0.01% | 0.01% | $10.00 | $0.01 |
Rate may change after account opening. Fees could reduce earnings on the account.
IRA Money Market Account
Rates Effective: 09/01/2026
| IRA Money Market Account | Annual Percentage Yield (APY) | Annual Interest Rate | Minimum Deposit to Open | Minimum Daily Balance to Earn Stated APY |
|---|---|---|---|---|
| TIER 1 | 0.10% | 0.10% | $10.00 | $0.01 |
| TIER 2 | 0.15% | 0.15% | $10.00 | $25,000.00 |
| TIER 3 | 0.20% | 0.20% | $10.00 | $75,000.00 |
A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Rate may change after account opening.
Club Accounts
Rates Effective: 09/01/2026
| Club Account | Annual Percentage Yield (APY) | Annual Interest Rate | Minimum Deposit to Open | Minimum Daily Balance to Earn Stated APY |
|---|---|---|---|---|
| Christmas Club | 0.01% | 0.01% | $10.00 | $0.01 |
| Vacation Club | 0.01% | 0.01% | $10.00 | $0.01 |
| All-Purpose Club | 0.01% | 0.01% | $10.00 | $0.01 |
Rate may change after account opening. Fees could reduce earnings on the account.
Smart Start Savings Account
Rates Effective: 09/01/2026
| Youth Account | Annual Percentage Yield (APY) | Annual Interest Rate | Minimum Deposit to Open | Minimum Daily Balance to Earn Stated APY |
|---|---|---|---|---|
| Smart Start Savings (Tier 1) | 3.79% | 3.72% | $10.00 | $0.01 - $10,000 |
| Smart Start Savings (Tier 2) | 0.10% | 0.10% | $10.00 | $10,000.01 and over |
APY=Annual Percentage Yield. Rates are variable and may change at any time after account opening. The stated APY applies to balances up to $10,000; balances above $10,000 may earn a different rate. Dividends may be withdrawn at any time. Fees, if any, may reduce earnings. Membership eligibility required. Smart Start Savings is available for youth ages 0–17 (through age 17, until their 18th birthday). Members under age 18 must open the account with a parent or legal guardian. Upon reaching age 18, the account will automatically transition to a Statement Savings Account.
Checking Accounts
Rates Effective: 09/01/2026
| Checking Product | Annual Percentage Yield (APY) | Annual Interest Rate | Minimum Deposit to Open | Minimum Daily Balance to Earn Stated APY |
|---|---|---|---|---|
| NOW Checking | 0.01% | 0.01% | $10.00 | $0.01 |
| Simply Free Checking | 0.00% | 0.00% | $10.00 | $0.01 |
| 18/65 Checking | 0.00% | 0.00% | $10.00 | $0.01 |
Rate may change after account opening. Fees could reduce earnings on the account.
Smart Start Spending Account
Rates Effective: 09/01/2026
| Youth Account | Annual Percentage Yield (APY) | Annual Interest Rate | Minimum Deposit to Open | Minimum Daily Balance to Earn Stated APY |
|---|---|---|---|---|
| Smart Start Spending | 0.00% | 0.00% | $10.00 | $0.01 |
