Effective as of 2/23/2016

Personal Interest Rates
AccountMinimum Balance To OpenInterest Rate   Annual Percentage Yield (APY)*
Advantage Savings**
Youth Advantage Savings**
Advantage NOW**
Senior Advantage
$1,000 or more daily balance earns interest @ bank determined rate.
Money Market Advantage**
Investment Advantage
$25,000 minimum daily balance required to obtain disclosed yield.


Certificates of Deposit
Term Minimum Balance Interest Rate Annual Percentage Yield (APY)Compounded 
06 Month(s)500.000.100.10At Maturity
12 Month(s)500.000.150.15Monthly
18 Month(s)500.000.200.20Monthly
24 Month(s)500.000.250.25Monthly
36 Month(s)500.000.350.35Monthly
48 Month(s)500.000.400.40Monthly
Individual Retirement Accounts*
Term Minimum Balance Interest Rate Annual Percentage Yield (APY) Compounded 
12 Month(s)500.000.150.15Quarterly
18 Month(s)500.000.200.20Quarterly
24 Month(s)500.000.250.25Quarterly
36 Month(s)500.000.350.35Quarterly
48 Month(s)500.000.400.40Quarterly
*IRA’s – Additional Deposits in any amount not to exceed maximum contribution allowed in current year through April 15th of the following year.