Deposit Rates
| Rates effective as of 07/23/2026 | Interest Rate | Annual Percentage Yield |
|---|
| Savings | .05 | .05 |
| Christmas Club | .05 | .05 |
| Preferred/Preferred Plus Checking | .01 | .01 |
| Direct Checking | .01 | .01 |
| Now Checking | .01 | .01 |
| Super Now Checking | .01 | .01 |
| HSA Checking | .05 | .05 |
| IMMA $0-$9,999.99 | .10 | .10 |
| IMMA $10,000-$24,999.99 | .15 | .15 |
| IMMA $25,000-$99,999.99 | .20 | .20 |
| IMMA $100,000-$249,99.99 | .35 | .35 |
| IMMA $250,000 and Above | .50 | .50 |
CD Rates
| Rates effective as of 07/23/2026 | Interest Rate | Annual Percentage Yield |
|---|
| 3 Month CD | 1.75 | 1.76 |
| 6 Month CD | 2.05 | 2.06 |
| 250 Day USA Anniversary Special CD | 3.98 | 4.00 |
| 1 Year CD | 2.25 | 2.25 |
| 1.5 Year CD | 2.30 | 2.30 |
| 2 Year CD | 2.35 | 2.35 |
| 3 Year CD | 2.75 | 2.75 |
| 4 Year CD | 2.80 | 2.80 |
| 5 Year CD | 3.00 | 3.00 |
| Rates effective as of 07/23/2026 | Interest Rate | Annual Percentage Yield |
|---|
| IRA- Variable | 1.25 | 1.26 |
| IRA- 1 Year | 2.25 | 2.27 |
| IRA- 1.5 Year | 2.30 | 2.32 |
| IRA- 2 Year | 2.35 | 2.37 |
| IRA- 3 Year | 2.75 | 2.78 |
Rates are determined by the bank and are subject to change daily.
- Please contact an employee for further information about applicable fees and terms. Fees may reduce earnings. A substantial interest penalty may be imposed for early withdrawal of all time deposits.
- The minimum deposit and balance to earn the stated APY for Direct Checking is $500. The minimum deposit to earn the stated APY for all other Checking, Savings, and IMMA accounts is $.01.
- The minimum opening deposit for special term CD's is $1,000 and $500 for all other CD's.
- Renewable and Non-Renewable CD’s are available.
- CD Specials will renew at the next shortest standard term rate.
- Variable rates may change after account is opened.
