Online Banking
Rates
Great Rates, Great People
Save smarter with great local rates. CDs, Money Markets, HSA, Checking & Savings—backed by neighbors you trust. Have questions? We're just a message away!
| Term | Minimum Deposit | APY* |
|---|---|---|
| 6 Months | $1000 | 3.60% |
| 12 Months (Additions Permitted) | $1000 | 3.60% |
| 18 Months | $500 | 3.60% |
| 24 Months | $500 | 3.50% |
| 30 Months | $500 | 3.50% |
| 36 Months | $500 | 3.50% |
| 48 Months | $500 | 3.40% |
| 60 Months | $500 | 3.35% |
- APY* = Annual Percentage Yield
- Interest rates are effective as of January 2026.
- Penalty for early withdrawal.
- 6-month CDs: semi-annual compounding.
- 12–60 month CDs: annual compounding.
| Term | Minimum Deposit to Open | APY* |
|---|---|---|
| HSA (Health Savings Account) | None | 3.04% (with e-statements) |
| None | 0.10% | |
| 24 Month Legacy CD | $20 | 4.00% |
| 61 Month Special(One-Time Option Up) | $1,000 | 3.61% |
- *APY = Annual Percentage Yield
- Rates effective January 2026
- Penalty for early withdrawal
- CD Specials: additions permitted up to original amount
- Legacy CD: additions $20+; total ≤ $2,000/year; for minors with adult custodian; early-withdrawal penalty may apply.
| Tiers | Interest Rate | APY* |
|---|---|---|
| $1,000,000 and above | 1.00% | 1.00% |
| $250,000 to $999,999 | 0.75% | 0.75% |
| $100,000 to $249,999 | 0.50% | 0.50% |
| $25,000 to $99,999 | 0.30% | 0.30% |
| $5,000 to $24,999 | 0.30% | 0.30% |
| $1 to $4,999 | 0.10% | 0.10% |
- *APY = Annual Percentage Yield
- Rates effective January 2026
- Fees may reduce earnings
- Monthly compounding
- Rates may change after opening
- Minimum deposit to open: $100.00
| Account Types | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| NEW VelocitE Rewards Checking | $50 | 5.84% paid on daily balance up to $25,000 | 6.00% |
| .05% paid on daily balance above $25,000 | 0.05% | ||
| .05% paid on daily balance if requirements are not met | 0.05% | ||
| Emerald Checking | $50 | 0.75% | 0.75% |
| Regular Savings | $50 | 0.10% | 0.10% |
| Christmas Club Savings | Balance up to $10,000 | 3.00% |
3.00%
|
| Balance over $10,000 | 0.01% |
0.01%
|
|
|
Kids' Club Savings
|
0.01% |
- *APY = Annual Percentage Yield
- Rates effective January 2026
- Rates may change after opening
- Fees may reduce earnings
- VelocitE: 15 debit card transactions of at least $5.00 each, 1 direct deposit/ACH, and e-statements required for 6.00% APY; otherwise 0.05%.
- Emerald Checking: monthly compounding
- Regular Savings: quarterly compounding
Smarter Saving Starts Here
Banking terms don’t have to be confusing. Here’s a quick guide to some of the most common savings terms—explained in plain language—so you can make confident decisions about your money.
-
The real return on your money over a year, including compound interest. A higher APY means you’ll earn more.
-
A savings account where you lock in your money for a set term in exchange for a guaranteed interest rate. Withdrawing from a CD before the maturity date will result in an early withdrawal penalty fee.
-
A promotional CD with a unique rate or term—offering higher returns than standard CDs for a limited time.
-
Interest calculated not only on your original deposit but also on the interest you’ve already earned—helping your savings grow faster.
-
A fee charged if you take money out of a CD before the maturity date.
-
The basic percentage the bank pays you for keeping money in an account—before compounding is included.
-
The day a CD’s term ends. You can withdraw your money (plus interest earned) or roll it into a new CD. If you do nothing, the CD will automatically roll into a new CD for the same or similar original term at the current interest rate.
-
The lowest amount of money you need to open or maintain an account (like a CD or Money Market) to earn interest or avoid fees.
-
A type of savings account that usually offers higher interest rates than a regular savings account, with limited check-writing or withdrawals.
-
The length of time you agree to keep money in an account (commonly used with CDs). Terms can range from a few months to several years.