Rates Effective: January 14, 2025
Savings Accounts
| Account Type |
Rate |
APY* |
| Regular Savings (Balances over $99.99) |
0.050% |
0.050% |
| Other Savings & Escrow (Balances over $99.99) |
0.050% |
0.050% |
| Individual Retirement Accounts (Balances over $99.99) |
0.449% |
0.450% |
Checking Accounts
| Account Type |
Rate |
APY* |
| Personal Checking |
0.000% |
0.000% |
| Personal Checking Plus |
0.050% |
0.050% |
| Personal Checking Plus ($2,500.00 & over) |
0.100% |
0.100% |
| Business Checking Plus |
0.050% |
0.050% |
| Business Checking Plus ($2,500.00 & over) |
0.100% |
0.100% |
Money Market
| Balance |
Rate |
APY* |
| $.00 to $99.99 |
0.000% |
0.000% |
| $100.00 to $1,999.99 |
0.000% |
0.000% |
| $2,000.00 to $9,999.99 |
0.449% |
0.450% |
| $10,000.00 to $24,999.99 |
0.449% |
0.450% |
| $25,000.00 to $49,999.99 |
0.846% |
0.850% |
| $50,000.00 to $99,999.99 |
0.896% |
0.900% |
| $100,000.00 & over |
1.390% |
1.400% |
Certificates
| Term |
Rate |
APY* |
| 6 months |
2.906% |
2.950% |
| 12 months |
3.150% |
3.200% |
| 12 month special** Caledonia branch office only |
9.560% |
10.000% |
| 24 months |
3.392% |
3.450% |
| 36 months |
3.198% |
3.250% |
| 48 months |
3.102% |
3.150% |
| 60 months |
3.010% |
3.050% |
IRA Certificates
| Term |
Rate |
APY* |
| 6 months |
3.010% |
3.050% |
| 12 months |
3.250% |
3.300% |
| 24 months |
3.490% |
3.550% |
| 36 months |
3.295% |
3.350% |
| 48 months |
3.198% |
3.250% |
| 60 months |
3.102% |
3.150% |