Deposit Rates

Checking AccountsMinimum
to Open
Minimum to
Earn Dividend
Dividend RateAPY*
Traditional, Student Checking $25 $500 and up .050% .05%
Prestige Checking $2,500 $2,500 and up .100% .10%
Reward, Free, Flexible Checking $25 N/A N/A N/A
Health Savings Account (HSA Checking) $25 $100 .995%

1.00%

KASASA Cash-up to $10,000 $25 $0 2.472%

2.50%

KASASA Cash-$10,000.01 & up*
     *Range 2.50% to .45% 
$25 $0 .250%

.25%

KASASA Cash - Non-qualify $25 $0 .010%

.01%

Savings Accounts Minimum
to Open
Minimum to
Earn Dividend
Dividend Rate APY*
Share Savings $25 $500 and up .050% .05%
Christmas and Vacation Club $5 $100 .100% .10%
Kid's Club and Smart Start Club $25 $25 .100% .10%
KASASA Saver-up to $20,000 $0 $0 .747% .75%
KASASA Saver-$20,000.01 & up*
     *Range .75% to .35%
$0 $0 .250% .25%

KASASA Saver - Non-qualify

$0 $0 .010% .01%
Term Share Certificates
TermDividend RateAPY*
6 Month Certificate .200% .20%
7 Month Certificate** .698% .70%

1 Year Certificate

.300%

.30%

1 Year Certificate ** 1.352% 1.36%
18 Month Certificate .349% .35%
2 Year Certificate .399% .40%
2 Year Certificate **^ 1.736% 1.75%
3 Year Certificate .399% .40%
4 Year Certificate .698% .70%
5 Year Certificate .995% 1.00%
Minimum deposit required to open and earn dividends on Term Share Certificates is $1,000.  ** Indicates rates are for New Money only.  7 Month Certificate will renew for a 6 Month term at the regular rate.  ^Offer is also valid for renewing Certficates with a minimum deposit of an additional 25% of the current balance or $5,000 new money (the lesser of).  
Mini-Jumbo Certificates
TermDividend RateAPY*
1 Year Certificate .399% .40%
18 Month Certificate .449% .45%
2 Year Certificate .499% .50%
3 Year Certificate .499% .50%
4 Year Certificate .797% .80%
5 Year Certificate 1.094% 1.10%
5 Year Certificate** 2.384% 2.41%
Minimum deposit required to open and earn dividends on Mini-Jumbo Certificates is $50,000. Maximum deposit is $98,999.99.  **Rate is valid for renewing CD's with a minimum of $5,000 in New Money.  
Jumbo Certificates
TermDividend RateAPY*
1 Year Certificate .499% .50%
18 Month Certificate .549% .55%
2 Year Certificate .598% .60%
3 Year Certificate .598% .60%
4 Year Certificate .896% .90%
5 Year Certificate 1.193% 1.20%
5 Year Certificate** 2.384% 2.41%
Minimum deposit required to open and earn dividends on Jumbo Certificates is $99,000.   **Rate is valid for renewing CD's with a minimum of $5,000 in New Money.
Individual Retirement Account
(IRA Term Share Certificates)
TermDividend RateAPY*
6 Month Certificate .200% .20%
1 Year Certificate .300% .30%
18 Month Certificate .349% .35%
2 Year Certificate .399% .40%
3 Year Certificate .399% .40%
4 Year Certificate .698% .70%
5 Year Certificate .995% 1.00%
Minimum deposit of $250 is required to open an IRA Term Share Certificate; an average daily balance of $500 is required to earn dividends.
Individual Retirement Account - Share Savings
Minimum to Earn DividendDividend RateAPY*
$25 to $4,999.99 .050% .05%
$5,000 to $9,999.99 .050% .05%
$10,000 to $24,999.99 .050% .05%
$25,000 to $49,999.99 .050% .05%
$50,000 and up .050% .05%

Minimum deposit of $25 is required to open an IRA Savings Account; an average daily balance of $25 is required to earn dividends.

Money Market Accounts
Minimum to Earn DividendDividend RateAPY*
$1,000 to $9,999.99 .050% .05%
$10,000 to $24,999.99 .100% .10%
$25,000 to $299,999.99 .150% .15%
$300,000 and up .200% .20%
Minimum deposit of $1,000 required to open a Money Market account; fees may reduce earnings.


*Annual Percentage Yield (APY) rates are effective as of 2/26/2018. All rates are subject to change without notice.