Below are our rates for checking, savings, and investment accounts. These rates are effective from November 20, 2019 to November 26, 2019.

General Account Rates

Account TypeAnnual Percentage Yield (APY)*Interest RateMinimum Balance to Obtain APYMinimum Balance to Open
Super Now0.15
0.10
0.15 (1)
0.10 (1)
$2,500.00
$0.01 - $2,499.99
$50.00
$50.00
Now0.10
0.08
0.10 (1)
0.08 (1)
$1,000.00
$0.01 - $999.999
$50.00
$50.00
Regular Savings0.150.15 (1,2,3)$0.01$50.00
Steady Saver0.180.18 (1,8)$0.01$5.00
MMDA0.20
0.15
0.20 (1,3,4)
0.20 (1,3,4)
$1,000.00
$0.01 - $999.99
$1,000.00
$1,000.00
MMDA Plus0.30
0.25
0.20
0.15
0.30 (1,3,5)
0.25 (1,3,5)
0.20 (1,3,5)
0.15 (1,3,5)
$25,000.00
$10,000.00 - $24,999.99
$2,500.00 - $9,999.99
$0.01 - $2,499.99
$2,500.00
$2,500.00
$2,500.00
$2,500.00

Certificate of Deposit Rates

Account TypeAnnual Percentage Yield (APY)*Interest RateMinimum Balance to Obtain APYPenalty
60 Month CD1.20
1.10
1.19 (7)
1.09 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
48-59 Month CD1.10
1.00
1.09 (7)
1.00 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
36-47 Month CD1.00
0.90
1.00 (7)
0.90 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
24-35 Month CD0.90
0.85
0.90 (7)
0.85 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
18-23 Month CD0.70
0.65
0.70 (7)
0.65 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
12-17 Month CD0.55
0.50
0.55 (7)
0.50 (7)
$5,000.00
$500.00
Loss of 3 months simple interest
Loss of 3 months simple interest
6-11 Month CD0.30
0.25
0.30 (7)
0.25 (7)
$5,000.00
$500.00
Loss of 3 months simple interest
Loss of 3 months simple interest
3-5 Month CD0.25
0.20
0.25 (7)
0.20 (7)
$5,000.00
$500.00
Loss of 3 months simple interest
Loss of 3 months simple interest

Golden Year CD Rates

Account TypeAnnual Percentage Yield (APY)*Interest RateMinimum Balance to Obtain APYPenalty
60 Month CD
(must be 62 years of age or older)
1.051.05$5,000.00No penalty for one withdrawal. If further withdrawals are taken there is a loss of 6 months simple interest.

Peoples Choice CD Accounts

Account TypeAnnual Percentage Yield (APY)*Interest RateMinimum Balance to Obtain APYPenalty
60 Month CD
(2 optional rate increases available)
1.001.00$1,000.00Loss of 6 months simple interest based on the rate in effect on the date of withdrawal
36 Month CD
(1 optional rate increase available)
0.850.85$1,000.00Loss of 6 months simple interest based on the rate in effect on the date of withdrawal

Retirement Account Rates

Account TypeAnnual Percentage Yield (APY)*Interest RateMinimum Balance to Obtain APYPenalty
60 Month IRA1.20
1.10
1.19 (7)
1.09 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
48-59 Month IRA1.10
1.00
1.09 (7)
1.00 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
36-47 Month IRA1.00
0.90
1.00 (7)
0.90 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
24-35 Month IRA0.90
0.85
0.90 (7)
0.85 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
18-23 Month IRA0.70
0.65
0.70 (7)
0.65 (7)
$5,000.00
$500.00
Loss of 6 months simple interest
Loss of 6 months simple interest
12-17 Month IRA0.55
0.50
0.55 (7)
0.50 (7)
$5,000.00
$500.00
Loss of 3 months simple interest
Loss of 3 months simple interest
6-11 Month IRA0.30
0.25
0.30 (7)
0.25 (7)
$5,000.00
$500.00
Loss of 3 months simple interest
Loss of 3 months simple interest
3-5 Month IRA0.25
0.20
0.25 (7)
0.20 (7)
$5,000.00
$500.00
Loss of 3 months simple interest
Loss of 3 months simple interest

Peoples Choice IRA Rates

Account TypeAnnual Percentage Yield (APY)*Interest RateMinimum Balance to Obtain APYPenalty
60 Month IRA
(2 optional rate increases available)
1.001.00$1,000.00Loss of 6 months simple interest based on rate in effect on date of withdrawal
36 Month IRA
(1 optional rate increase available)
0.850.85$1,000.00Loss of 6 months simple interest based on rate in effect on date of withdrawal
18 Month Variable IRA0.75 (6,7)0.75$1,000.00Loss of 6 months simple interest based on rate in effect on date of withdrawal
12 Month Variable IRA0.50 (6,7)0.50$50.00No penalty

*The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Interest is compounded daily on all account types.

(1) The interest rate may change on these accounts after opening and fees may reduce the earnings on the account.

(2) A $5.00 monthly service charge will be assessed if minimum balance is not maintained. A $5.00 fee will be assessed for each withdrawal in excess of 6 per statement cycle.

(3) You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or     statement cycle.

(4) A $5.00 monthly service charge will be assessed if minimum balance is not maintained. A $5.00 fee will be assessed for each withdrawal in excess of 6 per statement cycle.

(5) A $7.00 monthly service charge will be assessed if minimum balance is not maintained. A $5.00 fee will be assessed for each withdrawal in excess of 6 per statement cycle.

(6) The interest rate may change on these accounts after opening.

(7) Auto renew

(8) A $25.00 fee will be assessed for each withdrawal in excess of three (3) withdrawals per calendar year. The fee will be assessed at the time of the excess withdrawal transaction.