Online Banking
Rates Jan 2nd
THIS IS STAGING PAGE FOR THE NEW RATES AFTER JAN 2ND
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) |
| 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%
|
|
|
Pay Yourself First Savings
|
Min. deposit of $25 per month | =Lowest Tier MM Acct. | 0.20% |
| Balance over $25,000 | =Highest Tier MM Acct. | 0.20% |
- *APY = Annual Percentage Yield
- Rates effective January 2026
- Rates may change after opening
- Fees may reduce earnings
- VelocitE: 10 debit transactions, 1 direct deposit/ACH, and e-statements required for 4.00% APY; otherwise 0.05%.
- Emerald Checking: monthly compounding
- Regular Savings: quarterly compounding
- Pay Yourself First: 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.
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The real return on your money over a year, including compound interest. A higher APY means you’ll earn more.
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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.
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A promotional CD with a unique rate or term—offering higher returns than standard CDs for a limited time.
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Interest calculated not only on your original deposit but also on the interest you’ve already earned—helping your savings grow faster.
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A fee charged if you take money out of a CD before the maturity date.
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The basic percentage the bank pays you for keeping money in an account—before compounding is included.
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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.
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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.
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A type of savings account that usually offers higher interest rates than a regular savings account, with limited check-writing or withdrawals.
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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.