Rates

Current Rates: All Rates and Annual Percentage Yields Effective: December 1, 2023 - December 31, 2023

*NOTE: Rates subject to change without notice

Account Rates

Plus Interest Checking Rates
	Interest Rate	**A.P.Y.
Up to $2,499.99	0.38%	0.38%
$2,500.00 - $24,999.99	0.44%	0.44%
$25,000.00 - $49,999.99	0.69%	0.69%
$50,000.00 - $74,999.99	0.75%	0.75%
$75,000.00 and up	0.80%	0.80%
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	0.81%	0.81%
$2,500.00 - $24,999.99	0.87%	0.87%
$25,000.00 - $49,999.99	1.12%	1.13%
$50,000.00 - $74,999.99	1.18%	1.19%
$75,000.00 and up	1.23%	1.24%
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	0.85%	0.85%
$2,500.00 - $24,999.99	1.90%	1.92%
$25,000.00 - $49,999.99	1.99%	2.01%
$50,000.00 - $74,999.99	2.10%	2.12%
$75,000.00 - $249,999.99	2.19%	2.21%
$250,000.00-$499,999.99	2.27%	2.29%
$500,000.00 and up	2.32%	2.35%
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	0.12%	0.12%
$2,500.00 - $24,999.99	0.41%	0.41%
$25,000.00 - $49,999.99	0.61%	0.61%
$50,000.00 - $74,999.99	0.91%	0.91%
$75,000.00 - $249,999.99	1.19%	1.20%
$250,000.00-$499,999.99	1.29%	1.30%
$500,000.00 and up	1.36%	1.37%
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	0.31%	0.31%
$2,500.00 - $24,999.99	0.37%	0.37%
$25,000.00 - $49,999.99	0.62%	0.62%
$50,000.00 - $74,999.99	0.68%	0.68%
$75,000.00 and up	0.73%	0.73%
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	1.50%	1.51%
$2,500.00 - $24,999.99	2.00%	2.02%
$25,000.00 - $49,999.99	2.25%	2.27%
$50,000.00 - $74,999.99	2.40%	2.42%
$75,000.00 and up	2.45%	2.47%
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	2.19%	2.21%
$2,500.00 - $24,999.99	2.24%	2.26%
$25,000.00 - $49,999.99	2.26%	2.28%
$50,000.00 - $74,999.99	2.29%	2.31%
$75,000.00 and up	2.34%	2.36%
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