Product Minimum Balance to Open Minimum Balance to Obtain APY* Interest Rate APY* Compound Periods Per Year
Free Checking Account $100 $0 0% 0% 0
Now Account $1,000 $1,000 0.15% 0.15% 12
Holiday Club Account $50 $100 0.25% 0.25% 2
Passbook Savings Account $100 $100 0.20% 0.20% 2
3 Month CD $1,000 $1,000 0.25% 0.25% 4
6 Month CD $1,000 $1,000 0.25% 0.25% 2
12 Month CD $1,000 $1,000 0.40% 0.40% 2
15 Month CD Add-On $1,000 $1,000 0.40% 0.40% 4
16 Month CD Bump $1,000 $1,000 0.40% 0.40% 6
18 Month CD $1,000 $1,000 0.60% 0.60% 2
24 Month CD $1,000 $1,000 0.60% 0.60% 2
30 Month CD $1,000 $1,000 0.65% 0.65% 2
36 Month CD $1,000 $1,000 0.70% 0.70% 2
48 Month CD $1,000 $1,000 0.75% 0.75% 2
60 Month CD $1,000 $1,000 0.85% 0.85% 2
IRA – 18 Month CD $1,000 $1,000 .85%** .85%** 2
Money Market Account $2,500 $1,000 0.35% 0.35% 12
Consumer Treasury Index Money Market Account $25k $25,000 $25,000 0.35% 0.35% 12
Consumer Treasury Index Money Market Account $100k $25,000 $100,000 0.35% 0.35% 12
Commercial Checking Account $100 $0 0% N/A N/A
Books & Bucks Checking Account $5 New customers will receive a $10 Amazon gift card for opening an account. Receive $25 cash each semester for good grades. Must have a GPA of 3.5 or higher and provide a copy of your transcript to request payment. $0 0%
APY* Accurate as of September 16, 2021

*APY-ANNUAL PERCENTAGE YIELD

**VARIABLE RATE – RATES MAY CHANGE AFTER ACCOUNT IS OPENED

AT OUR DISCRETION, WE MAY CHANGE THE RATE OF YOUR PASSBOOK SAVINGS, NOW, MONEY MARKET, AND CONSUMER TREASURY INDEX ACCOUNTS.

SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL OF CD’S

INTEREST CALCULATED ON AVERAGE DAILY BALANCE

FEES CHARGED MAY REDUCE THE EARNINGS ON THE ACCOUNT

HOLIDAY CLUB ACCOUNT: maximum balance is limited to $2500.00; early withdrawal results in account closure; one account per household

PLEASE FEEL FREE TO ASK US FOR MORE INFORMATION REGARDING APPLICABLE FEES AND TERMS.