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Rates

Your Drive and Our Great Rates

Two things you can count on.

…
Rates Effective 3/1/2025

Checking

as high as

0.15%

Savings

as high as

0.10%

Retirement

as high as

4.00%

Certificates

as high as

4.00%

Effective Date 03/01/2025
 
Flexible Savings Certificate
3 Month Term, $500 minimum balance for APY 
 
Tier Dividend Rate APY*
$500-$24,999 1.04% 1.05%
$25,000-$249,999.99 1.09% 1.10%
$250,000 & Above  3.44% 3.50%
Bump-Up Savings Certificate
24-36 Month Term, $10,000 minimum balance for APY

 Tier  Dividend Rate APY* 
$10,000-$24,999 1.38% 1.40%
$25,000-$89,999 1.48% 1.50%
$90,000 & Above 1.53% 1.55%
6 Month Savings Certificate 
3-11 Month Term
 
Tier Dividend Rate APY*
$1,000-$24,999 1.38% 1.40%
$25,000-$49,999 1.43% 1.45%
$50,000-$89,999 1.43% 1.45%
$90,000-$249,999 1.48% 1.50%
$250,000-$349,999 3.92% 4.00%
$350,000 & Above 3.92% 4.00%
12 Month Savings Certificate
12-17 Month Term
 
Tier Dividend Rate APY*
$1,000-$24,999 1.48% 1.50%
$25,000-$49,999 1.53% 1.55%
$50,000-$89,999 1.53% 1.55%
$90,000-$249,999 1.58% 1.60%
$250,000-$349,999 1.58% 1.60%
$350,000 & Above 1.63% 1.65%
18 Month Savings Certificate
18-23 Month Term
 
Tier Dividend Rate APY*
$1,000-$24,999 1.53% 1.55%
$25,000-$49,999 1.58% 1.60%
$50,000-$89,999 1.58% 1.60%
$90,000-$249,999 1.63% 1.65%
$250,000-$349,999 1.63% 1.65%
$350,000 & Above 1.68% 1.70%
24 Month Savings Certificate
24-35 Month Term
 
Tier Dividend Rate APY*
$1,000-$24,999 1.58% 1.60%
$25,000-$49,999 1.63% 1.65%
$50,000-$89,999 1.68% 1.70%
$90,000-$249,999 1.68% 1.70%
$250,000-$349,999 1.73% 1.75%
$350,000 & Above 1.78% 1.80%
36 Month Savings Certificate
36-47 Month Term
 
Tier Dividend Rate APY*
$1,000-$24,999 1.68% 1.70%
$25,000-$49,999 1.73% 1.75%
$50,000-$89,999 1.78% 1.80%
$90,000-$249,999 1.78% 1.80%
$250,000-$349,999 1.87% 1.90%
$350,000 & Above 1.92% 1.95%
APY = Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $1,000 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings. A penalty may be imposed for early withdrawal.
Effective Date 03/01/2025
 
Regular Share Savings
Tier Dividend Rate APY*
$100-$499.99 0.00% 0.00%
$500 & Above 0.10% 0.10%
 
Money Market
 
Tier Dividend Rate APY*
$2,500-$9,999 0.85% 0.85%
$10,000-$24,999 0.85% 0.85%
$25,000-$49,999 0.90% 0.90%
$50,000-$89,999 0.90% 0.90%
$90,000-$249,999 0.95% 0.95%
$250,000-$349,999 2.95% 3.00%
$350,000 & Above 2.95% 3.00%
Effective Date 03/01/2025
 
20/20 Business Checking
 
Tier  Dividend Rate  APY* 
$1,000-$4,999 0.05% 0.05%
$5,000-$9,999 0.05% 0.05%
$10,000-$39,999 0.10% 0.10%
$40,000 & Above 0.15% 0.15%
Preferred Checking
 
Tier Dividend Rate APY*
$500 & Above 0.10% 0.10%
Money Market Checking
 
Tier Dividend Rate APY*
$2,500-$9,999 0.85% 0.85%
$10,000-$24,999 0.85% 0.85%
$25,000-$49,999 0.90% 0.90%
$50,000-$89,999 0.90% 0.90%
$90,000-$249,999 0.95% 0.95%
$250,000-$349,999 2.95% 3.00%
$350,000 & Above 2.95% 3.00%
 
HSA Checking 
 
Tier  Dividend Rate  APY* 
$500 & Above 0.10% 0.10%
*APY=Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $500 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings. 
Effective Date 03/01/2025
 
IRA Shares
 
Tier  Dividend Rate  APY* 
$100-$499 0.00% 0.00%
$500 & Above 0.10% 0.10%
IRA Money Market
 
Tier  Dividend Rate  APY* 
$100-$2,499 0.00% 0.00%
$2,500-$9,999 0.85% 0.85%
$10,000-$24,999 0.85% 0.85%
$25,000-$49,999 0.90% 0.90%
$50,000-$89,999 0.90% 0.90%
$90,000-$249,999 0.95% 0.95%
$250,000-$349,999 2.95% 3.00%
$350,000 & Above 2.95% 3.00%
Effective Date 03/01/2025
 
Cookie Jar Accounts
 
 Tier Dividend Rate  APY* 
$100-$499.99 0.00% 0.00%
$500 & Above 0.10% 0.10%
Young Savers Account
 
Tier  Dividend Rate APY* 
$25-$99.99 0.00% 0.00%
$100 & Above 0.10% 0.10%
 
*APY=Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $100 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings. 
















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