Rates

Deposit rates subject to change without notice EFFECTIVE April 1, 2013.

Current rates for new accounts are listed below. Click here to view deposit rates for grandfathered accounts.


Certificates of Deposit and IRAs

TermInterest RateAPY*
3 month0.050.05 T
6 month0.100.10 T
12 month0.200.20 Q
18 month0.300.30 Q
24 month0.400.40 Q

* Annual Percentage Yield, Posting of interest: T - at maturity, Q - Quarterly, M- Monthly

Certificates of Deposit under $100,000 require a $1,000 Minimum to open. IRA's may be opened in any amount up to Contribution Limit. There is a substantial penalty for early withdrawal.

Jumbo CDs

TermInterest RateAPY*
3 month0.050.05 T
6 month0.100.10 T
12 month0.200.20 Q
18 month0.300.30 Q
24 month0.400.40 Q

* Annual Percentage Yield, Posting of interest: T - at maturity, Q - Quarterly, M- Monthly

Jumbo CD's require minimum $100,000 to open. There is a substantial penalty for early withdrawal.

Other Deposit Accounts

ProductInterest RateAPY*
Individual Retirement Accounts

Regular CD rates or Variable Rate Account IRA account requires minimum $250 to open. Variable IRA does NOT qualify for Customer Loyalty Calculation.

See Regular CD RatesSee Regular CD Rates
HSA - Health Savings Account

(No minimum opening balance required)

0.900.90 M
Regular Savings

($300 minimum opening balance required)

0.100.10 Q
Shining Star Savings for minors

(No minimum opening balance required)

0.100.10 Q
Five Star Checking

(requires $2,500 minimum opening balance)

(see below)

(see below)

Business Checking with Interest

(requires $2,500 minimum opening balance)

(see below)

(see below)

Business Money Market

(requires $2,500 minimum opening balance)

(see below)

(see below)

Less than $2,500 Balance, $15.00 Service Charge

-

-

Balance $.01 to $25,000.00 earns0.100.10 M
Balance $25,000.01 to $50,000.00 earns0.150.15 M
Balance $50,000.01 to $250,000.00 earns0.150.15 M
Balance $250,000.01 or more0.200.20 M

* Annual Percentage Yield, Posting of interest: T - at maturity, Q - Quarterly, M- Monthly