Bank Interest CD Rates
Effective 1/1/2022 and subject to change without notice. Terms on amounts over $1 million must be approved in advance. Member FDIC. Account service charges or withdrawals will reduce earnings. Please ask us for details.
13-Month CD Special*
$1,000 - $500,000.00
With Eligible† Checking:
Interest Rate/Annual Percentage Yield
0.40%/0.40%
Without Eligible† Checking:
Interest Rate/Annual Percentage Yield
0.35%/0.35%
Gold Money Market**
$1,000 - $14,999
Interest Rate/Annual Percentage Yield
0.15%/0.15%
$15,000 - Plus
Interest Rate/Annual Percentage Yield
0.20%/0.20%
† Eligible checking accounts include Free, Green, Stellar Plus or Select Checking.
* $1,000 minimum to open ($500 minimum to open for minors)
** Not available for IRAs.
| Savings | |
| $25 minimum to open. $100 minimum to earn interest. $100 minimum balance to waive $3 Per Month monthly service charge. | $100 Plus 0.10% Interest Rate 0.10% Annual Percentage Yield |
| Minor Savings | |
| $10 minimum to open and earn interest. No monthly service charge. | $10 - $100 $100.01 Plus |
| Stellar Plus Checking | |
| $25 minimum to open. $10,000 minimum to earn interest. Zero monthly service charge when you keep $20,000 or more in Stellar Plus Checking, or $100,000 or more in related deposit accounts. $3 monthly service charge if you keep $10,000-$19,999 in Stellar Plus Checking, or $50,000-$99,999 in related deposit accounts. $8 monthly service charge if you keep less than $10,000 in Stellar Plus Checking, or less than $50,000 in related deposit accounts. Monthly service charge is based on your average daily balances each month. | 0.05% Interest Rate 0.05% Annual Percentage Yield |
| Money Market | |
| $25 minimum to open. $1,000 minimum to earn interest and avoid $10 Per Month monthly service charge. | $1,000 - $89,999 $90,000 - $90,000 Plus |
Fixed Rate Certificates of Deposit
$1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
| Choice of Terms | $1,000 - $89,999 Interest Rate/Annual Percentage Yield % | $90,000 - $90,000 Plus Interest Rate/Annual Percentage Yield % | Renewal Term |
|---|---|---|---|
| 14 Days - 2 Months | N/A | 0.10/0.10 | 14 Days - 2 Months |
| 3 Months | 0.05/0.05 | 0.10/0.10 | 3 Months |
| 4 - 5 Months | 0.10/0.10 | 0.15/0.15 | 4 - 5 Months |
| 6 - 11 Months | 0.15/0.15 | 0.20/0.20 | 6 - 11 Months |
| 12 - 17 Months | 0.20/0.20 | 0.25/0.25 | 12 - 17 Months |
| 18 - 23 Months | 0.20/0.20 | 0.25/0.25 | 18 - 23 Months |
| 24 - 35 Months | 0.20/0.20 | 0.25/0.25 | 24 - 35 Months |
| 36 - 47 Months | 0.20/0.20 | 0.25/0.25 | 36 - 47 Months |
| 48 - 59 Months | 0.25/0.25 | 0.30/0.30 | 48 - 59 Months |
| 60 Months | 0.30/0.30 | 0.35/0.35 | 60 Months |