Rates

Current Rates: All Rates and Annual Percentage Yields Effective: January 1, 2026 - January 31, 2026

*NOTE: Rates subject to change without notice

Account Rates

Plus Interest Checking Rates
	Interest Rate	**A.P.Y.
Up to $2,499.99	0.25%	0.25%
$2,500.00 - $24,999.99	0.33%	0.33%
$25,000.00 - $49,999.99	0.42%	0.42%
$50,000.00 - $74,999.99	0.54%	0.54%
$75,000.00 and up	0.61%	0.61%
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	0.47%	0.47%
$2,500.00 - $24,999.99	0.55%	0.55%
$25,000.00 - $49,999.99	0.64%	0.64%
$50,000.00 - $74,999.99	0.76%	0.76%
$75,000.00 and up	0.83%	0.83%
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	0.25%	0.25%
$2,500.00 - $24,999.99	0.43%	0.43%
$25,000.00 - $49,999.99	0.76%	0.76%
$50,000.00 - $74,999.99	1.03%	1.03%
$75,000.00 - $249,999.99	1.30%	1.31%
$250,000.00-$499,999.99	1.44%	1.45%
$500,000.00 and up	1.63%	1.64%
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	0.10%	0.10%
$2,500.00 - $24,999.99	0.18%	0.18%
$25,000.00 - $49,999.99	0.29%	0.29%
$50,000.00 - $74,999.99	0.41%	0.41%
$75,000.00 - $249,999.99	0.52%	0.52%
$250,000.00-$499,999.99	0.61%	0.61%
$500,000.00 and up	0.70%	0.40%
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	0.78%	0.78%
$25,000.00 - $49,999.99	1.27%	1.28%
$50,000.00 - $74,999.99	1.43%	1.44%
$75,000.00 and up	1.52%	1.53%
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	2.00%	2.02%
$2,500.00 - $24,999.99	2.05%	2.07%
$25,000.00 - $49,999.99	2.07%	2.09%
$50,000.00 - $74,999.99	2.10%	2.12%
$75,000.00 and up	2.15%	2.17%
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