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Deposit Account Rates
We’re your neighbor with eight locations — and we back that up with rates that make sense for your money. Whether you’re opening a new account, securing a loan, or planning ahead, we want you to get real value out of banking here.
Below, you’ll find our current rates for savings accounts, checking accounts, and certificates of deposit (CDs), updated regularly so you always have the latest information. To discuss our current loan rates, give your loan officer a call. Our team is here to answer your questions.
Interest Rates and APYs are accurate as of: September 8th, 2026
Certificates of Deposit
| TYPE | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) | MINIMUM DEPOSIT REQUIRED TO OPEN ACCOUNT | MINIMUM BALANCE REQUIRED TO OBTAIN APY | COMPOUNDED | CREDITED |
|---|---|---|---|---|---|---|
| 90 Day | 3.84% | 3.90% | $1,000.00 | $1,000.00 | None | At Maturity |
| 180 Day | 4.01% | 4.05% | $1,000.00 | $1,000.00 | None | At Maturity |
| 180 Day EZ Saver | 4.01% | 4.05% | $50.00 | $50.00 | None | At Maturity |
| 12 Month | 4.04% | 4.10% | $1,000.00 | $1,000.00 | Quarterly | Quarterly |
| 12 Month EZ Saver | 4.04% | 4.10% | $50.00 | $50.00 | Quarterly | Quarterly |
| 18 Month | 4.09% | 4.15% | $1,000.00 | $1,000.00 | Quarterly | Quarterly |
| 24 Month | 4.14% | 4.20% | $1,000.00 | $1,000.00 | Quarterly | Quarterly |
| 36 Month | 4.04% | 4.10% | $1,000.00 | $1,000.00 | Quarterly | Quarterly |
| 48 Month | 4.09% | 4.15% | $1,000.00 | $1,000.00 | Quarterly | Quarterly |
| 60 Month | 4.14% | 4.20% | $1,000.00 | $1,000.00 | Quarterly | Quarterly |
Intrafi CDARS
| TYPE | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) | MINIMUM DEPOSIT REQUIRED TO OPEN ACCOUNT | MINIMUM BALANCE REQUIRED TO OBTAIN APY | COMPOUNDED | CREDITED |
|---|---|---|---|---|---|---|
| 13 Weeks | 3.68% | 3.75% | $10,000.00 | $10,000.00 | Daily | At Maturity |
| 26 Weeks | 3.83% | 3.90% | $10,000.00 | $10,000.00 | Daily | At Maturity |
| 52 Weeks | 3.87% | 3.95% | $10,000.00 | $10,000.00 | Daily | At Maturity |
| 2 Years | 3.97% | 4.05% | $10,000.00 | $10,000.00 | Daily | At Maturity |
| 3 Years | 3.92% | 4.00% | $10,000.00 | $10,000.00 | Daily | At Maturity |
Individual Retirement Accounts
| TYPE | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) | MINIMUM DEPOSIT REQUIRED TO OPEN ACCOUNT | MINIMUM BALANCE REQUIRED TO OBTAIN APY | COMPOUNDED | CREDITED |
|---|---|---|---|---|---|---|
| 180 Day | 3.67% | 3.70% | $100.00 | $100.00 | None | At Maturity |
| 12 Month | 3.70% | 3.75% | $100.00 | $100.00 | Quarterly | Quarterly |
| 18 Month | 3.75% | 3.80% | $100.00 | $100.00 | Quarterly | Quarterly |
| 24 Month | 3.80% | 3.85% | $100.00 | $100.00 | Quarterly | Quarterly |
| 36 Month | 3.70% | 3.75% | $100.00 | $100.00 | Quarterly | Quarterly |
| 48 Month | 3.75% | 3.80% | $100.00 | $100.00 | Quarterly | Quarterly |
| 60 Month | 3.80% | 3.85% | $100.00 | $100.00 | Quarterly | Quarterly |
Variable Accounts
| TYPE | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) | MINIMUM DEPOSIT REQUIRED TO OPEN ACCOUNT | MINIMUM BALANCE REQUIRED TO OBTAIN APY | COMPOUNDED | CREDITED |
|---|---|---|---|---|---|---|
| Savings Account | 1.05% | 1.05% | $100.00 | $0 - $49,999.99 | Daily | Monthly |
| Savings Account | 1.54% | 1.55% | $100.00 | $50,000.00 + | Daily | Monthly |
| Health Savings Account (HSA Account) | 0.75% | 0.75% | $100.00 | $0 - 9,999.99 | Daily | Monthly |
| Health Savings Account (HSA Account) | 1.34% | 1.35% | $100.00 | $10,000.00 + | Daily | Monthly |
| Money Market Account | 1.05% | 1.05% | $1,000.00 | $0 - 9,999.99 | Daily | Monthly |
| Money Market Account | 1.54% | 1.55% | $1,000.00 | $10,000.00 + | Daily | Monthly |
| Money Market Savings Account | 1.05% | 1.05% | $2,500.00 | $0 - 9,999.99 | Daily | Monthly |
| Money Market Savings Account | 1.44% | 1.45% | $2,500.00 | $10,000.00 - $49,999.99 | Daily | Monthly |
| Money Market Savings Account | 1.83% | 1.85% | $2,500.00 | $50,000.00 - $99,999.99 | Daily | Monthly |
| Money Market Savings Account | 2.23% | 2.25% | $2,500.00 | $100,000.00 - 249,999.99 | Daily | Monthly |
| Money Market Savings Account | 2.62% | 2.65% | $2,500.00 | $250,000.00-$499,999.99 | Daily | Monthly |
| Money Market Savings Account | 3.01% | 3.05% | $2,500.00 | $500,000.00-$999,999.99 | Daily | Monthly |
| Money Market Savings Account | 3.40% | 3.45% | $2,500.00 | $1,000,000.00 + | Daily | Monthly |
| Commercial Platinum | 0.20% | 0.20% | $25,000.00 | $25000.00-74999.99 | Daily | Monthly |
| Commercial Platinum | 0.30% | 0.30% | $25,000.00 | $75000.00- + | Daily | Monthly |
Intrafi ICS
| TYPE | INTEREST RATE | ANNUAL PERCENTAGE YIELD (APY) | MINIMUM DEPOSIT REQUIRED TO OPEN ACCOUNT | MINIMUM BALANCE REQUIRED TO OBTAIN APY | COMPOUNDED | CREDITED |
|---|---|---|---|---|---|---|
| Demand Deposit Account | 0.90% | 0.90% | $0.00 | $0 - 9,999.99 | Daily | Monthly |
| Money Market Deposit Account | 1.29% | 1.30% | $0.00 | $10,000.00 - $49,999.99 | Daily | Monthly |
| Money Market Deposit Account | 1.69% | 1.70% | $0.00 | $50,000.00 - $99,999.99 | Daily | Monthly |
| Money Market Deposit Account | 2.08% | 2.10% | $0.00 | $100,000.00 - 249,999.99 | Daily | Monthly |
| Money Market Deposit Account | 2.47% | 2.50% | $0.00 | $250,000.00-$499,999.99 | Daily | Monthly |
| Money Market Deposit Account | 2.86% | 2.90% | $0.00 | $500,000.00-$999,999.99 | Daily | Monthly |
| Money Market Deposit Account | 3.01% | 3.05% | $0.00 | $1,000,000.00 + | Daily | Monthly |
For All Accounts:
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day
Interest begins to accrue on the business day you deposit cash or noncash items (for example, checks)
If you close your account before interest is credited, you will receive the accrued interest, subject to any early withdrawal penalties applied
Fees could reduce the earnings on the account
For Certificates of Deposit and IRAs (Including Intrafi CDARS):
A penalty may be imposed for early withdrawal
For Variable Rate Accounts (Including Intrafi ICS):
Your interest rate and APY may change. At our discretion, we may change the interest rate on your account at any time
There is no limit on the amount the rate or APY may change
There may be a limit on the number and type of transactions allowed