Rates

Current Rates: All Rates and Annual Percentage Yields Effective: January 1, 2025 - January 31, 2025

*NOTE: Rates subject to change without notice

Account Rates

Plus Interest Checking Rates
	Interest Rate	**A.P.Y.
Up to $2,499.99	0.32%	0.32%
$2,500.00 - $24,999.99	0.40%	0.40%
$25,000.00 - $49,999.99	0.49%	0.49%
$50,000.00 - $74,999.99	0.61%	0.61%
$75,000.00 and up	0.68%	0.68%
Minimum balance to open Plus Interest Checking is $1,000.‌ Fees may reduce yield on these accounts. Interest Rate & **APY may change.

Money Market - Personal Account Rates
	Interest Rate	**A.P.Y.
Up to $2,499.99	0.63%	0.63%
$2,500.00 - $24,999.99	0.71%	0.71%
$25,000.00 - $49,999.99	0.80%	0.80%
$50,000.00 - $74,999.99	0.92%	0.92%
$75,000.00 and up	0.99%	0.99%
Minimum balance to open Money Market Account is $2,500.‌ Fees may reduce yield on these accounts. Interest Rate & **APY may change

Money Market - Business and Public Funds Rates
	Interest Rate	**A.P.Y.
Up to $2,499.99	0.32%	0.32%
$2,500.00 - $24,999.99	1.33%	1.34%
$25,000.00 - $49,999.99	1.42%	1.43%
$50,000.00 - $74,999.99	1.54%	1.55%
$75,000.00 - $249,999.99	1.62%	1.63%
$250,000.00-$499,999.99	1.72%	1.73%
$500,000.00 and up	1.76%	1.77%
Minimum balance to open Money Market Account is $2,500.00. Fees may reduce yield on these accounts. Interest Rate & **APY may change.

Now Account - Business & Public Funds Rates
	Interest Rate	**A.P.Y.
Up to $2,499.99	0.05%	0.05%
$2,500.00 - $24,999.99	0.11%	0.11%
$25,000.00 - $49,999.99	0.20%	0.20%
$50,000.00 - $74,999.99	0.39%	0.39%
$75,000.00 - $249,999.99	0.67%	0.67%
$250,000.00-$499,999.99	0.77%	0.77%
$500,000.00 and up	0.92%	0.92%
Minimum balance to open Now Account is $1,000.00. Fees may reduce yield on these accounts. Interest Rate & **APY may change.

Future Savings Rates
	Interest Rate	**A.P.Y.
Up to $2,499.99	0.16%	0.16%
$2,500.00 - $24,999.99	0.24%	0.24%
$25,000.00 - $49,999.99	0.33%	0.33%
$50,000.00 - $74,999.99	0.45%	0.45%
$75,000.00 and up	0.52%	0.52%
No Minimum balance is required to open Future Savings. Fees may reduce yield on these accounts. Interest Rate & **APY may change.

Health Savings Account (HSA) Rates
	Interest Rate	**A.P.Y.
Up to $2,499.99	0.10%	0.10%
$2,500.00 - $24,999.99	0.85%	0.85%
$25,000.00 - $49,999.99	1.16%	1.17%
$50,000.00 - $74,999.99	1.52%	1.53%
$75,000.00 and up	1.58%	1.59%
Minimum balance to open a Health Savings Account is $1.‌ Interest Rate & **APY may change.

IRA Savings Rates
	Interest Rate	**A.P.Y.
Up to $2,499.99	1.85%	1.86%
$2,500.00 - $24,999.99	1.90%	1.91%
$25,000.00 - $49,999.99	1.92%	1.93%
$50,000.00 - $74,999.99	1.95%	1.96%
$75,000.00 and up	2.00%	2.02%
Minimum balance to open IRA Savings Account is $1. Fees may reduce yield on these accounts. Interest Rate & **APY may change

Guaranteed Interest Rates apply during the stated period of time.

A $2,500 Minimum balance is required to open a Time Certificate.

Substantial penalty for early withdrawal of funds.

The Annual Percentage Yield assumes interest will remain on deposit until maturity.

** Annual Percentage Yield