Rates for Checking, Savings, CDs, IRAs and HSAs

Checking/Savings Account Rates

Platinum Leaf Account⁵ - Interest Compounded and Credited Monthly $25.00 Minimum to Open
	Interest Rate	APY^{1 & 2}
Below $50,001.00	3.50%	3.56%
Equal to or greater than $50,001.00	0.10%	range from 3.56% to 1.83%⁴
If Account Does NOT Meet Requirements⁵	0.00%	0.00%

Money Market and Business Money Market - Interest Compounded and Credited Monthly $25.00 Minimum to Open
	Interest Rate	APY^{1 & 2}
Below $10,000.00	1.00%	1.00%
Equal to or greater than $10,000.00 but less than $25,000.00	1.00%	1.00%
Equal to or greater than $25,000.00 but less than $100,000.00	1.10%	1.11%
Equal to or greater than $100,000.00 but less than $250,000.00	1.40%	1.41%
Equal to or greater than $250,000.00 but less than $500,000.00	1.55%	1.56%
Equal to or greater than $500,000.00 but less than $1,000,000.00	1.80%	1.81%
Equal to or greater than $1,000,000.00	2.05%	2.07%

Personal Savings - Interest Compounded and Credited Monthly $25.00 Minimum to Open
	Interest Rate	APY^{1 & 2}
Personal Savings	0.20%	0.20%

Business Interest Checking - Interest Compounded and Credited Monthly $25.00 Minimum to Open
	Interest Rate	APY^{1 & 2}
Business Interest Checking	0.05%	0.05%

Certificate of Deposit Rates

Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly $500.00 Minimum to Open CD Specials $25,000.00 Minimum to Open
	Interest Rate	APY^{1 & 3}
90 Day	0.20%	0.20%
5 Month Special	4.25%	4.32%
6 Month	0.70%	0.70%
9 Month Special	4.00%	4.06%
12 Month	3.25%	3.29%
13 Month Special	3.75%	3.80%
18 Month	2.00%	2.02%
24 Month	2.00%	2.02%
36 Month	2.00%	2.02%
48 Month	1.25%	1.26%
60 Month	1.25%	1.26%

Individual Retirement Account Rates

IRA Certificates of Deposit- Fixed Rate / Interest Compounded and Credited Quarterly $500.00 Minimum to Open
	Interest Rate	APY^{1 & 3}
12 Month	3.25%	3.29%
18 Month	2.00%	2.02%
24 Month	2.00%	2.02%
36 Month	2.00%	2.02%
48 Month	1.25%	1.26%
60 Month	1.25%	1.26%

IRA Certificates of Deposit - Variable Rate / Interest Compounded and Credited Quarterly $100.00 Minimum to Open
	Interest Rate	APY^{1, 2 & 3}
18 Month	2.00%	2.02%

Health Savings Account Rates

Health Savings Account - Interest Compounded and Credited Monthly $25.00 Minimum to Open
	Interest Rate	APY^{1 & 2}
Below $1,000.00	0.05%	0.05%
Equal to or greater than $1,000.00 but less than $10,000.00	0.05%	0.05%
Equal to or greater than $10,000.00 but less than $25,000.00	0.05%	0.05%
Equal to or greater than $25,000.00 but less than $100,000.00	0.05%	0.05%
Equal to or greater than $100,000.00	0.05%	0.05%

¹APY - Annual Percentage Yield assumes principal and interest remain on deposit for at least one year. Withdrawals and fees will reduce earnings.

²Rate(s) are variable and may change after account opening.

³An early withdrawal penalty may be assessed.

⁴The APY range assumes a maximum balance of $100,000.

⁵To qualify for interest each monthly statement cycle you must: 1) Conduct at least 15 settled and posted debit card transactions, excluding ATM transactions; AND 2) Have at least one (1) settled and posted Automated Clearing House (ACH) credit or ACH debit; AND 3) Receive an Electronic Statement (eStatement). Online Banking with eStatement enrollment required.

Rates as advertised are accurate as of 12/05/24 and subject to change without notice.

Deposit Rates

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