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Rates matter.  Make sure your deposits are working as hard as you are!

Check out our current rates below.  Contact your Universal Banker to discuss further.

 

 

Effective Date: August 18, 2021

APY = annual percentage yield

 

PERSONAL cHEcKING AccOUNTS

Account TypeMinimum Balance to OpenMinimum Balance to Obtain APYTierInterest RateAPY
Plu$ Reward$ Checking (50 years of age or better) $100.00 $500.00 $0.01 - $499.99 0.00% 0.00%

no

no

no

$500.00 - $9,999.99 0.10% 0.10%

no

no

no

$10,000.00 - $24,999.99 0.15% 0.15%

no

no

no

$25,000.00 and Above 0.50% 0.50%
H.S.A. (Health Savings Account) $0.00 $500.00 $0.01 - $499.99 0.00% 0.00%

no

no

no

$500.00 - $9,999.99 0.05% 0.05%

no

no

no

$10,000.00 - $24,999.99 0.10% 0.10%

no

no

no

$25,000.00 and Above 0.25% 0.25%
Intere$t Reward$ Checking | Qualifying* *Twelve (12) debit card purchases post and settle per monthly statement cycle (excludes ATM withdrawals). Two (2) electronic transactions (ACH, credit or debit) post and settle per monthly statement cycle. Receive monthly statement electronically. $100.00 $0.01 $0.00 - $25,000.00 1.09% 1.10%

no

no

no

$25,000.01 and Above 0.35% 0.35% - 1.10%
Intere$t Reward$ Checking | Non Qualifying $100.00 $0.01 $0.00 - $25,000.00 0.01% 0.01%

no

no

no

$25,000.01 and Above 0.01% 0.01%

Fees could reduce earnings.  | Interest Rates and APY may change after the account is opened.

 

PERSONAL SAVINGS AccOUNTS

Account Type Minimum Balance to Open Minimum Balance to Obtain APY TierInterest Rate APY
Basic $50.00 Waived for students (up to age 26), seniors (age 50 and over), and custodial accounts (up to age 21). $0.01 $0.01 -  and Above 0.10% 0.10%
Christmas Club* $0.00 $0.01 $0.01 -  and Above 0.10% 0.10%
Money Market $1,000.00 $0.01 $0.01 - $9,999.99 0.15% 0.15%

no

no

no

$10,000.00 - $24,999.99 0.40% 0.40%

no

no

no

$25,000.00 and Above 0.75% 0.75%

Fees could reduce earnings.  | Interest Rates and APY may change after the account is opened.  *Requires set up of automatic transfers into the account to equal a minimum of $5 per transfer.

 

BONU$ SAVINGS AccOUNT | AVAILABLE ON PERSONAL AND BUSINESS cERTIFICATES OF DEPOSIT

Account Type Minimum Balance to Open Minimum Balance to Obtain APY Interest Rate APY
Bonu$ Savings Savings - $1,500.00 $0.01 1.24% 1.25%

no

no

For savings only: Interest Rates and APY may change after the account is opened.

no

no

no

CD - $1,500.00 $500.00 Interest rate and APY based on CD term chosen. Minimum 6 month CD term, or greater, required.

no

BUSINESS cHEcKING AccOUNTS

Account Type Minimum Balance to Open Minimum Balance to Obtain APY TierInterest Rate APY
Business Plus Checking (sole proprietorship and non-profit organization). | Interest and APY may change after the account is opened. $0.00 $500.00 $0.01- $499.99 0.00% 0.00%

no

no

no

$500.00- $9,999.99 0.10% 0.10%

no

no

no

$10,000.00 - $24,999.99 0.15% 0.15%

no

no

no

$25,000.00 and Above 0.50% 0.50%
Business Checking* $0.00 N/A N/A N/A N/A

*0.40% earnings credit on pricipal balance each day.  Earnings credit may be applied agasint fees incurred for monthly statement cycle.  | Fees could reduce earnings.

BUSINESS SAVINGS AccOUNTS

Account Type Minimum Balance to Open Minimum Balance to Obtain APY TierInterest Rate APY
Basic $50.00 $0.01 $0.01 - and Above 0.10% 0.10%
Money Market $1,000.00 $0.01 $0.01 - $9,999.99 0.15% 0.15%

no

no

no

$10,000.00 - $24,999.99 0.40% 0.40%

no

no

no

$25,000.00 and Above 0.75% 0.75%

Fees could reduce earnings. | Interest Rates and APY may change after the account is opened.

cERTIFIcATES OF DEPOSIT AND INDIVIDUAL RETIREMENT AccOUNT (IRA)

Account Type Minimum Balance to Open and Minimum Balance to Obtain APYInterest Rate APY
7 - 89 Day $500.00 0.15% 0.15%
3 Month $500.00 0.15% 0.15%
6 Month $500.00 0.25% 0.25%
12 Month $500.00 0.25% 0.25%
18 Month $500.00 0.30% 0.30%
24 Month $500.00 0.30% 0.30%
36 Month $500.00 0.40% 0.40%
48 Month $500.00 0.45% 0.45%
60 Month $500.00 0.60% 0.60%

Early withdraw penalties may apply.  Fees could reduce earnings.  | Interest Rates and APY may change after the account is opened.