| Smart Point Checking | APY | Interest Rate |
|---|---|---|
| Balances between $.01-$20,000 | 1.00% | 1.00% |
| Balances over $20,000 | .05% | .05% |
Rates
| Money Market Checking | APY | Interest Rate |
|---|---|---|
| Balances between $0-$9,999 | .25% | .25% |
| Balances between $10,000-$49,999 | .75% | .75% |
| Balances over $50,000 | 1.26% | 1.25% |
| Other Rates | APY | Interest Rate |
|---|---|---|
| 1893 Savings Account & Junior Savings Account* | .45% | .45% |
| HSA* | .75% | .75% |
|
*Minimum balance to open is $50
|
- CD & savings Annual Percentage Yields are based on quarterly compounding.
- Checking Annual Percentage Yield is based on monthly compounding.
- Fees could reduce earnings on the accounts.
- Interest rate and Annual Percentage Yields may change on variable rate accounts.
| Certificates of Deposit & IRAs | APY | Interest Rate | Minimum Balance* |
|---|---|---|---|
|
91 Days
|
.75% | .75% | $1000 |
| 6 Month | 1.05% | 1.05% | $500 |
| 22 Month Special | 2.32% | 2.30% | $500 |
| 1 Year | 1.41% | 1.40% | $500 |
| 2 Year | 1.61% | 1.60% | $500 |
| 3 Year | 1.71% | 1.70% | $500 |
| 4 Year | 1.81% | 1.80% | $500 |
| 5 Year | 1.91% | 1.90% | $500 |
|
Variable IRA-18 month
This rate may change after account is opened.
|
1.61% | 1.60% | $50 |
|
52 Month Special
|
2.47% | 2.45% | $500 |
- Fixed rate IRA are subject to above rates
- Substantial penalty for early withdrawal