Deposit Rates
Effective Date 11/03/2026
Deposit Rates
| Account Type | Rate1 | APY2 | Min to Open | Min Balance to Earn APY2 | Min Balance to Avoid Monthly Maintenance Fee | Min Balance to Avoid Dormant Fees4 |
|---|---|---|---|---|---|---|
| Statement Savings3 | 0.40% | 0.40% | $1.00 | $50.00 | $100 min balance or $2.00 per month | $5,000.00 |
| Smart Start KIDS SavingsTM Children (Ages 0-13) | 4.89% | 5% | $0.00 | $0.01 - $5,0005 | NONE / NO min balance | NONE |
| 0.40% | 0.40% | $5,000.01 | ||||
| Smart Start SavingsTM Teens and Young Adults (Ages 13-25) | 0.40% | 0.40% | $0.00 | $0.00 | NONE / NO min balance | NONE |
| Christmas Club Savings3 | 0.40% | 0.40% | $1.00 | $1.00 | NONE / NO min balance | $5,000.00 |
| Advantage Checking | 0.10% | 0.10% | $1.00 | $1.00 | $8 monthly maintenance fee | $5,000.00 |
| Smart Start CheckingTM Teens and Young Adults (Ages 13-25) | 0.00% | 0.00% | $0.00 | N/A | NONE / No min balance | NONE |
| Choice Checking | 0.00% | 0.00% | $1.00 | N/A | NO min balance | $5,000.00 |
| Senior Checking Senior checking available to Seniors 62 or older | 0.00% | 0.00% | $1.00 | N/A | NO min balance | $5,000.00 |
| Money Market Investment | 0.50% | 0.50% | $1.00 | $0.00 - $2,499.00 | $1,000.00 min balance or $5.00 per month | $5,000.00 |
| 0.60% | 0.60% | $2,499.01 - $24,999.00 | ||||
| 0.70% | 0.70% | $24,999.01 - $99,999.00 | ||||
| 1.00% | 1.00% | $99,999.01 - $999,999.00 | ||||
| 1.15% | 1.16% | Over $999,999.00 | ||||
| Health Savings Account (HSA) | 0.10% | 0.10% | $1.00 | $0.00 - $4,999.00 | NO min balance | None |
| 0.10% | 0.10% | $4,999.01 - $9,999.00 | ||||
| 0.10% | 0.10% | $9,999.01 - $24,999.00 | ||||
| 0.10% | 0.10% | $24,999.01 - $99,999.00 | ||||
| 0.10% | 0.10% | Over $99,999.00 |
- Interest is compounded daily and paid monthly, except Christmas Club accounts.
- Christmas Club–Interest is compounded daily and paid with the annual club payout or at account closure.
- The daily balance method is used to calculate interest; applies a daily periodic rate to the principal each day.
- Fees may reduce earnings on interest-bearing products.
- Accounts closed before interest is credited will receive accrued interest.
- Interest may be withdrawn after it is credited, excluding Health Savings Accounts.
- Rates are determined at the bank’s discretion. APYs and rates may change any time after the account is opened.
- Tiered rate accounts are paid the stated interest rate that corresponds to the applicable tier on the full balance in the account.
1RATE=Interest Rate
2APY=Annual Percentage Yield
3Interest begins to accrue on the business day you deposit noncash items (e.g. checks). All other accounts, interest begins to accrue no later than the business day we receive credit for the deposit of noncash items.
4$5.00 monthly dormant fee if date of last activity is after 1 yr.
5Deposits up to $5,000 earn the introductory rate and yield. The initial promotional interest rate on the portion of your balance from $0.01 through $5,000.00 will remain in effect for twelve (12) months from the date of account opening. The initial promotional interest rate on the portion of your balance above $5,000.00 is subject to change at our discretion and at any time. After the initial 12-month promotional interest rate period ends, the account will earn the standard variable interest rate and annual percentage yield then in effect for the Smart Start Kids Savings account.
For More Information Call: (865) 546-0330.
Member FDIC