Personal Rates
Deposit Rates
Savings Accounts Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| Prime Savings* | 0.05% | 0.05% | $50 |
| Special Savings | 0.05% | 0.05% | $50 |
| Vacation Club | 0.05% | 0.05% | $50 |
| Christmas Club | 0.05% | 0.05% | $50 |
| *$5 minimum opening deposit required. $5 minimum balance required after account opening. | |||
Health Savings Account Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| HSA Savings | 0.05% | 0.05% | $50 |
| HSA Checking Tiered Rates | |||
| 0.25% | 0.25% | $1 - $4,999.99 | |
| 1.00% | 1.00% | $5,000 - $9,999.99 | |
| 1.11% | 1.10% | $10,000+ | |
Money Market Accounts
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| Tiered Rates | 0.05% | 0.05% | $2,500 - $9,999.99 |
| 0.15% | 0.15% | $10,000 - $24,999.99 | |
| 0.20% | 0.20% | $25,000 - $49,999.00 | |
| 1.00% | 1.00% | $50,000 - $99,999.99 | |
| 1.25% | 1.24% | $100,000+ |
IRA Share Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| Coverdell ESA | 0.50% | 0.50% | $1 |
| Traditional | 0.50% | 0.50% | $1 |
| Roth | 0.50% | 0.50% | $1 |
| *$1 minimum opening deposit required | |||
Certificate Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Certificates | Annual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier) | Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic) | Minimum Balance |
|---|---|---|---|
| 90-Day Certificate | 0.80% | 0.80% | 0.55% | 0.55% | $500 |
| 6-Month Certificate | 0.85% | 0.85% | 0.60% | 0.60% | $500 |
| 9-Month Certificate | 1.50% | 1.49% | 1.25% | 1.24% | $500 |
| 12-Month Certificate | 4.25% | 4.17% | 4.00% | 3.93% | $500 |
| 18-Month Certificate | 3.50% | 3.44% | 3.25% | 3.20% | $500 |
| 24-Month Certificate | 3.50% | 3.44% | 3.25% | 3.20% | $500 |
| 30-Month Certificate | 3.25% | 3.20% | 3.00% | 2.96% | $500 |
| 36-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% | $500 |
| 48-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% | $500 |
| 60-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% | $500 |
Traditional, Roth & Coverdell Certificates Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Traditional, Roth & Coverdell Certificates | Annual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier) | Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic) | Minimum Balance |
|---|---|---|---|
| 12-Month IRA/ESA Certificate | 4.50% | 4.41% | 4.25% | 4.17% | $500 |
| 18-Month IRA/ESA Certificate | 3.50% | 3.44% | 3.25% | 3.20% | $500 |
| 24-Month IRA/ESA Certificate | 3.50% | 3.44% | 3.25% | 3.20% | $500 |
| 30-Month IRA/ESA Certificate | 3.25% | 3.20% | 3.00% | 3.20% | $500 |
| 36-Month IRA/ESA Certificate | 3.00% | 2.96% | 2.75% | 2.72% | $500 |
| 48-Month IRA/ESA Certificate | 3.00% | 2.96% | 2.75% | 2.72% | $500 |
| 60-Month IRA/ESA Certificate | 3.00% | 2.96% | 2.75% | 2.72% | $500 |
Checking Accounts
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| Interest Checking | 0.10% | 0.10% | $500 |
| HSA Checking Tiered Rates | 0.25% | 0.25% | $0 - $4,999.99 |
| 1.00% | 1.00% | $5,000 - $9,999.99 | |
| 1.11% | 1.10% | $10,000+ |
Credit Card Rates
Credit Cards Rates
Effective Date: Thursday, May 15th, 2025
| Name | Annual Percentage Rate (APR) |
|---|---|
| Visa Platinum | As low as 12.24% (Prime + 4.74)* |
| Visa Signature | As low as 14.40% (Prime + 6.90)* |
| *Rates are based on credit score. Your rate may be higher. | |
Loan Rates
Personal Loan Rates
Effective Date: Thursday, May 15th, 2025
Subject to change.
| intentionally empty table header | Consumer Secured Loans (Autos, Boats, RVs, Motorcycles, Tractors, etc.) | Signature Loans | Share/Certificate Secured Loan | Credit Builder Plus Loan | Open End Line of Credit |
|---|---|---|---|---|---|
| Amount | $5,000 minimum | $1,500 minimum | $1,000 minimum | $1,000 - $5,000 | $500 - $8,000 |
| Annual Percentage Rate (APR) | As low as 4.49%* | As low as 12.24%* | 2% over share or certificate rate | 7.50% | 11.90% |
| *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. | |||||
Home Loan Rates
Home Equity Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. All rates shown as Annual Percentage Rate (APR).
| intentionally empty table header | Home Equity Loan | Home Equity Visa Line of Credit* |
|---|---|---|
| Amount | $5,000 minimum | $5,000 minimum |
| Annual Percentage Rate (APR) | As low as 6.74% APR | Prime rate + 0% variable rate with 5.99% floor |
| Early Closure Fee | Fee charged equal to closing fees if closed in the first two years | |
| *Interest rate is adjusted annually. | ||
Mortgage Rates (Fixed)
Effective Date: Thursday, May 15th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Fixed Rate Loans Conforming and Government | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year Fixed | 7.000% | 7.197% |
| 20-Year Fixed | 6.500% | 6.752% |
| 15-Year Fixed | 6.250% | 6.563% |
| 30-Year USDA | 7.250% | 8.043% |
| Home Ready | 7.250% | 7.450% |
| 1-Time Construction (Other) | 7.000% | 7.198% |
| 30-Year FHA | 7.125% | 8.216% |
| 30-Year VA | 7.000% | 7.355% |
| Lot loans - Please contact our morgtage department for rates | ||
Mortgage Rates (Adjustable)
Effective Date: Thursday, May 15th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Adjustable-Rate Mortgages | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year 1/1 ARM | 6.000% | 6.186% |
| 15-Year 1/1 ARM | 5.875% | 6.185% |
| 30-Year 3/1 ARM | 6.250% | 6.439% |
| 15-Year 3/1 ARM | 6.125% | 6.312% |
| 30-Year 5/1 ARM | 6.375% | 6.565% |
| 15-Year 5/1 ARM | 6.250% | 6.563% |
| 30-Year 5/5 ARM | 6.500% | 6.691% |
| 15-Year 5/5 ARM | 6.375% | 6.689% |
| 30-Year 7/1 ARM | 6.625% | 6.818% |
| 15-Year 7/1 ARM | 6.500% | 6.815% |
Private Banking Professional Mortgage Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Name | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 15-Year Fixed | 6.250% | 6.563% |
| 30-Year 5/1 ARM | 5.500% | 5.680% |
| 30-Year 7/1 ARM | 6.000% | 6.186% |
Business Rates
Deposit Rates
Savings Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| Business Savings* | 0.05% | 0.05% | $50 |
| Business Money Market Accounts** Tiered Rates | |||
| 0.05% | 0.05% | $100 - $9,999.99 | |
| 0.15% | 0.15% | $10,000 - $24,999.99 | |
| 0.25% | 0.25% | $25,000 - $49,999.99 | |
| 0.35% | 0.35% | $50,000 - $99,999.99 | |
| 3.00% | 2.96% | $100,000+ | |
| *$5 minimum opening deposit required | |||
| **$100 minimum opening deposit | |||
Certificate Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Certificates | Annual Percentage Yield (APY) | Dividend Rate | Minimum Balance |
|---|---|---|---|
| 12-Month Business Certificate | 4.00% | 3.93% | $500 |
| 18-Month Business Certificate | 3.25% | 3.20% | $500 |
| 24-Month Business Certificate | 3.25% | 3.20% | $500 |
| 30-Month Business Certificate | 3.00% | 2.96% | $500 |
| 36-Month Business Certificate | 2.75% | 2.72% | $500 |
| 48-Month Business Certificate | 2.75% | 2.72% | $500 |
| 60-Month Business Certificate | 2.75% | 2.72% | $500 |
Checking Rates
Effective Date: Thursday, May 15th, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| Business Checking* | 0.15% | 0.15% | $10,000 |
| Non-Profit Checking* Tiered Rates | |||
| 0.15% | 0.15% | $5,000 - $24,999.99 | |
| 0.25% | 0.25% | $25,000 - $49,999.99 | |
| 0.35% | 0.35% | $50,000 - $99,999.99 | |
| 3.00% | 2.96% | $100,000+ | |
| *$100 minimum opening deposit | |||