Current Deposit Rates

Interest Rate and APY* is accurate as of: 7/22/2014

All rates are subject to change without notice.
*APY= Annual Percentage Yield

NOW Checking
(Personal or Business – Corporations and Partnerships Ineligible)

$3,000 minimum to open. Fees could reduce earnings. $7.00 service charge if account falls below $3,000 required daily minimum. $15.00 service charge if account falls below $1,000 required daily minimum. Rate is variable and subject to change after the account is opened and without prior notice.
Balance Tiers Customer w/ relationship Non Customer Public Bodies
Less than $1,000 0.00% N/A 0.02%
$1,000 and Over 0.10% N/A 0.02%

Money Market Accounts
(Personal or Business)

$3,000 minimum to open. Fees could reduce earnings. $15.00 service charge if account falls below $3,000 required daily minimum. Rate is variable and subject to change after the account is opened and without prior notice.
Balance Tiers Customer w/ relationship Non Customer Public Bodies
$1,000 – $99,999.99 0.10% N/A 0.02%
$100,000.00 – $499,99.99 0.15% N/A 0.02%
$500,000.00 – $949,999.99 0.25% N/A 0.02%
$950,000.00 and over 0.35% N/A 0.02%

MOOR Accounts
(Personal or Business – Corporations and Partnerships Ineligible)

$10,000 minimum to open. Fees could reduce earnings. $15.00 service charge if account falls below $25,000 required daily minimum. Rate is variable and subject to change after the account is opened and without prior notice.
Balance Tiers Customer w/ relationship Non Customer Public Bodies
$2,500 – $9,999.99 0.10% N/A 0.10%
$10,000 – $24,999.99 0.15% N/A 0.15%
$25,000 – $99,999.99 0.25% N/A 0.25%
$100,000 and Over 0.35% N/A 0.35%

Regular Savings
(Personal or Business)

$50.00 minimum to open. Fees could reduce earnings. $3.00 service charge if account falls below $50.00 required daily minimum. Rate is variable and subject to change after the account is opened and without prior notice.
Balance Tiers Customer w/ relationship Non Customer Public Bodies
Less than $100.00 0.00% N/A 0.00%
$100.00 and Over 0.10% N/A 0.10%

Christmas Club Savings
(Personal Only)

No minimum to open. Fees could reduce earnings. $10.00 early close out penalty. Rate is variable and subject to change after the account is opened and without prior notice.
Balance Tiers Customer w/ relationship Non Customer Public Bodies
All Balances 0.10% N/A N/A

Certificates of Deposit and IRA’s

$500.00 minimum to open. Withdrawls prior to maturity are subject to an early withdrawl penalty and could reduce earnings. IRA CD’s require at least a 6 month minimum term and use the same rates as regular CD’s.
Balance Tiers Customer w/ relationship Non Customer Public Bodies
7 – 11 days 0.10% 0.10% 0.02%
12 – 31 days 0.10% 0.05% 0.02%
90 Days 0.25% 0.15% 0.10%
6 Months 0.40% 0.35% 0.20%
12 Months 0.65% 0.55% 0.30%
18 Months 0.80% 0.60% 0.35%
24 Months 0.90% 0.75% 0.50%
30 Months 1.05% 0.75% 0.50%
36 Months 1.10% 0.80% 0.75%
48 Months 1.25% 0.90% 0.80%
60 Months 1.50% 1.00% 1.00%