Rates

APY = Annual Percentage Yield. Rates effective as of 2/4/2020. Fees may reduce earnings.

Checking/Savings Accounts

Account Balance to Earn Interest Rate APY
Classic 50 Checking $0 0.05% 0.05%
VIP Direct Checking $0 0.05% 0.05%
Regular Savings $0 0.20% 0.20%
Ultimate Interest Checking Under $1,000 0.05% 0.05%
Ultimate Interest Checking $1,000+ 0.15% 0.15%
Business Interest Checking $1,000+ 0.05% 0.05%
Christmas Club $0 1.00% 1.00%
Vacation Club $0 1.00% 1.00%

Interest Checking and Business Interest Checking - $1,000 minimum balance

Mortgage Loans Learn More

Term Rate
10 - 30 Years Contact us to learn about our rates

Business STAR PLUS Learn More

Tier APY Interest Rate
$2,500 - $49,999 0.51% 0.51%
$50,000 - $99,999 1.01% 1.01%
$100,000 - $249,999 1.27% 1.27%
$250,000 - $449,999 1.27% 1.27%
$500,000 - $999,999 1.27% 1.27%
$1 Million + 2.00% 2.00%

IRAs - Traditional, Roth, & HSA Learn More

Tier APY Interest Rate
5 Year IRA 2.03% 2.02%
4 Year IRA 1.84% 1.83%
18 Month IRA 1.15% 1.15%
1 Year IRA 1.15% 1.15%
IRA Variable 1.10% 1.10%
Coverdell Ed. Savings 1.91% 1.90%

IRA Variable - rate subject to change at any time.

Certificates of Deposit (CDs) Learn More

Term Balance Interest Rate APY
5 Year $1,000 1.92% 1.93%
5 Year $20,000 2.02% 2.03%
4 Year $1,000 1.73% 1.74%
4 Year $20,000 1.83% 1.84%
42 Month Bump-Up $1,000 1.66% 1.67%
42 Month Bump-Up $20,000 1.91% 1.92%
3 Year $1,000 1.57% 1.58%
3 Year $20,000 1.77% 1.78%
30 Month $1,000 1.57% 1.58%
30 Month $20,000 1.77% 1.78%
2 Year $1,000 1.57% 1.58%
2 Year $20,000 1.77% 1.78%
18 Month $1,000 1.01% 1.01%
18 Month $20,000 1.15% 1.15%
1 Year $1,000 1.01% 1.01%
1 Year $20,000 1.15% 1.15%
182 Day $1,000 1.01% 1.01%
182 Day $20,000 1.15% 1.15%
90 Day $1,000 1.01% 1.01%
90 Day $20,000 1.15% 1.15%

Substantial penalty for early withdrawal. Subject to availability. APY is based on the assumption the periodic interest payment is added back to your CD balance.

College Fund

Interest Rate APY
1.90% 1.91%

STAR PLUS

Tier APY Interest Rate
Rates Effective thru 3/1/2020    
$2,500 - $49,000 0.51% 0.51%
$50,000 - $99,999 1.01% 1.01%
$100,000 - $249,999 1.27% 1.27%
$250,000 - $499,999 1.27% 1.27%
$500,000 - $999,999 1.27% 1.27%
$1 Million + 2.00% 2.00%