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Deposit Rates

PLEASE NOTE:

  • Golden Rewards and Carefree Super NOW customers will receive a rate increase of 0.25% when opening any Certificates of Deposit, Except Promotional Products. Golden Rewards customers must be age 50 or older, have at least a balance of $1,000.00 in the Golden Rewards account or a balance of at least $2,500.00 in their savings to qualify; Carefree Gold Super NOW accounts must have at least a balance of $2,500.00 to qualify.
  • Rates for Jumbo Certificates of Deposit are quoted individually.
  • Account tiers may change after opening account.
Account Product Minimum Opening Deposit Interest Rate Annual Percentage Yield
91 DAY Certificate of Deposits* $1,000.00 0.10% 0.10%
6 MONTH Certificate of Deposits* $1,000.00 0.25% 0.25%
9 MONTH Certificate of Deposit* $1,000.00 0.35% 0.35%
1 YEAR Certificate of Deposit* $1,000.00 0.40% 0.40%
2 YEAR - ONE WAY*
First 6 months
Next 6 months
Next 6 months
Thereafter
$5,000.00
0.25%
0.40%
0.55%
0.70%
 .48%
(composite)
2 YEAR SAVER C.D.* $1,000.00 0.60% 0.60%
3 YEAR Certificate of Deposit* $1,000.00 0.75% 0.75%
4 YEAR Certificate of Deposit* $1,000.00 1.00% 1.00%
5 YEAR Certificate of Deposit* $1,000.00 1.25% 1.26%
REGULAR SAVINGS** $1.00 0.05% 0.05%
CHRISTMAS CLUB* $1.00 0.10% 0.10%
MONEY MARKET SAVINGS**
Daily Balances of:
up to $999.99
$1,000.00 - 9,999.99
$10,000.00 and up
$1,000.00 0.05%
0.10%
0.15%
0.05%
0.10%
0.15%
COMMERCIAL REGULAR SAVINGS** $1.00 0.05% 0.05%
COMMERCIAL MONEY MARKET SAVINGS**Daily Balances of:
up to $999.99
$1,000.00 - 9,999.99
$10,000.00 and up
$1,000.00 0.05%
0.10%
0.15%
0.05%
0.10%
0.15%
HSA SAVINGS**
Daily Balances of:
$500.00 - $2,499.99
$2,500.00 - 9,999.99
$10,000.00 - 24,999.99
$25,000.00 and up
$100.00 0.05%
0.10%
0.15% 0.20%
0.05%
0.10%
0.15%
0.20%
GOLDEN REWARDS NOW** $1.00 0.10% 0.10%
CAREFREE NOW** $1.00 0.05% 0.05%
COMMERCIAL NOW** $1.00 0.05% 0.05%
CAREFREE GOLD (Super NOW)**
Daily Balances of:
up to $2,500.00
$2,500.01 - 10,000.00
$10,000.01 - 25,000.00
$25,000.01 - 50,000.00
$50,000.01 and up
$2,500.00 0.05%
0.10%
0.15%
0.20%
0.25%
0.05%
0.10%
0.15%
0.20%
0.25%
HSA CHECKING**
Daily Balances of:
$500.00 - $2,499.99
$2,500.00 - 9,999.99
$10,000.00 - 24,999.99
$25,000.00 and up
$100.00 0.05%
0.10%
0.15%
0.20%
0.05%
0.10%
0.15%
0.20%

* A penalty may be imposed for early withdrawal.
** Interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account.

Interest Rates and Annual Percentage Yields are current as of 7/23/2014.

For current rate information, please call (906) 786-0221

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