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Deposit Account Rates and Features

Rates effective as of 02/13/18 thru 02/20/18  Call for current rates and details.

Promotional Certificates
 TermMinimum Balance to Open & Obtain the APYInterest Rate*Annual Percentage Yield (APY)
9-Month "Plus" CD $250.00 0.25% 0.25%
Additions allowed at any time in any amount at the same interest rate as the initial deposit without extending the maturity date. Withdrawals of principal may be subject to penalty.
15-Month " Promo" CD $250.00 1.00% 1.00%
Withdrawals of principal may be subject to penalty.
21-Month "Bump Rate" CD $250.00 0.50% 0.50%
Bump Rate CD permits one interest rate increase during the initial term of the account. Any future rate increase will be based upon the Bank's published interest rate on a 24 month certificate of deposit. Withdrawals of principal may be subject to penalty.
30-Month "Promo" CD $250.00 0.60% 0.60%
Withdrawls of principal may be subject to penalty.

 

 Certificates
 TermMinimum Balance to Open & Obtain the APYInterest Rate*Annual Percentage Yield (APY)
3 Month CD $1,000.00 0.10% 0.10%
6 Month CD $1,000.00 0.10% 0.10%
1 Year CD $250.00 0.25% 0.25%
1 Year Variable Rate IRA CD $100.00 1.88% 1.90%
2 Year CD $250.00 0.40% 0.40%
3 Year CD $250.00 0.50% 0.50%
4 Year CD $250.00 0.80% 0.80%
5 Year CD $250.00 1.00% 1.00%
Except for the 12-month Variable Rate IRA CD, additions are not allowed during the term. Withdrawals of principal may be subject to penalty.
No penalty on withdrawals of principal from 1-year IRA Certificate for persons over age 59 1/2.

 

Savings Accounts
Account TypeMinimum Balance to Open & Obtain the APYInterest Rate*Annual Percentage Yield (APY)
Passbook Savings $100.00 0.10% 0.10%
Statement Savings $100.00 0.10% 0.10%
IRA Savings $100.00 0.10% 0.10%
Holiday Savings $10.00 0.10% 0.10%
Kid's Cash $1.00 0.10% 0.10%
Money Market Account $2,000.00 0.10% 0.10%
  $10,000 .00 0.15% 0.15%
  $25,000.00 0.20% 0.20%

 

Checking Accounts
Account TypeMinimum Balance to OpenMinimum Balance to Obtain the APYInterest Rate*Annual Percentage Yield (APY)
Freedom First Checking N/A N/A N/A N/A
First Choice Checking $200.00 $200.00 0.05% 0.05%
First Generation Checking (Age 65+) $1.00 $1.00 0.05% 0.05%
First Serv Checking (for Organizations) $200.00 $200.00 0.05% 0.05%
First Small Business Checking with interest $500.00 $1,000.00 0.05% 0.05%
Small Business $1,000.00 N/A N/A N/A
First Commercial Checking N/A N/A N/A N/A
This Rate Sheet is part of the Agreement and Disclosure of Account Terms. In the event of any inconsistency between this Rate Sheet and the Certificate Agreement and Disclosure of Account Terms, the Rate Sheet shall govern.
*For interest earning accounts, except fixed rate CD's, the rate is variable and may change after the account is opened. Fees may reduce the earnings on these accounts.
We keep our rates posted as a convenience for customers making financial decisions. We do our best to keep them current but rates are subject to change without notice.

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