Rates

Effective:  August 1, 2025  
Rates may change at any time. Please call any of our locations for our most current rates.

Certificates of Deposit

Term Annual Percentage Yield (APY)1 Minimum to Open Minimum to Earn APY
3 Month
1.50%
1.25%
$10,000
$1,000
$10,000
$1,000
6 Month
4.15%
2.00%
$10,000
$1,000
$10,000
$1,000
12 Month
4.00%
2.50%
$10,000
$1,000
$10,000
$1,000
18 Month
4.00%
3.25%
$10,000
$1,000
$10,000
$1,000
24 Month
4.00%
3.00%
$10,000
$1,000
$10,000
$1,000
30 Month
4.00%
3.00%
$10,000
$1,000
$10,000
$1,000
36 Month
4.00%
3.00%
$10,000
$1,000
$10,000
$1,000
48 Month 1 Step Up
4.00%
3.00%
$10,000
$1,000
$10,000
$1,000
60 Month 2 Step Ups
4.00%
3.00%
$10,000
$1,000
$10,000
$1,000

An early withdrawal Penalty may be imposed on withdrawals of principal prior to maturity. Fees could reduce earnings.

1APYs are accurate as of the date shown above and are subject to change without notice.

Member FDIC

Savings Accounts

Product Annual Percentage Yield (APY)1 Interest Rate1 Minimum to Open Minimum to Earn APY
Statement Savings 0.50% 0.49% $50** $0
Money Market
1.40%
1.25%
1.10%
0.90%
0.70%
0.50%
1.39%
1.24%
1.09%
0.89%
0.69%
0.49%
 $2,500
$100,000 +
$50,000-$99,999
$25,000-$49,999
$10,000-$24,999
$2,500-$9,999
$0-$2,499
Elite Savings 2.25%
1.60%
1.40%
2.24%
1.58%
1.39%
 $50,000 $250,000 +
$100,000-$249,999
$50,000-$99,999
IRA/SEP Tiered Savings
2.75%
2.50%
2.25%
2.00%
1.75%
1.50%
2.72%
2.47%
2.23%
1.99%
1.74%
1.49%
 $100 $150,000+
$100,000-$149,999
$50,000-$99,999
$25,000-$49,999
$10,000-$24,999
$0-$9,999

**The minimum balance requirement is waived for minors 18 and younger.

1Interest Rates and APYs are accurate as of the date shown above and are subject to change without notice. These savings accounts are variable-rate accounts therefore the interest rate and APY may change after account opening. Fees could reduce earnings. Contact us for current rates, fees, and other terms and conditions for these accounts.

Member FDIC

Personal Checking Accounts

Product Annual Percentage Yield (APY)1 Interest Rate1 Minimum to Open Minimum to Earn APY
uPIC Interest Checking
If 0, 1 or 2 qualifiers are met2
if all 3 qualifiers are met
      Balances less than $35,000
      Balances $35,000 or more

0.10%

3.25%
2.32% - 3.25%3

0.10%

3.20%
0.15%
 
$10
 
 
no minimum
 
$0.01-$34,999
$35,000 +
Basic Plus Checking 0.35% 0.35% $10,000 $10,000
HSA Checking
0.50%
0.25%
0.10%
0.49%
0.25%
0.10%
 $100
$10,000+
$5,000-$9,999
$500-$4,999

¹ Interest rates and APY's are accurate as of the effective date shown above and are subject to change without notice. These checking accounts are variable-rate accounts therefore the interest rate and APY may change after account opening. Fees could reduce earnings. Contact us for current rates, fees, and other terms and conditions for these accounts.

2 Qualifiers for uPIC Interest Checking - earn more interest simply by meeting all three of the following qualifiers during each monthly statement cycle:
  • Be enrolled and receive eStatements (if you choose paper statements, a fee of $3 per statement applies). 
  •  At least one direct deposit (ACH credit) posts to the account.
  • At least 15 debit card POS purchases post and settle during the monthly statement cycle.
³ When the daily balance in this account is $35,000 or more, the APY varies because two different interest rates are in effect (one for the portion of the daily balance that is less than $35,000 and one for the portion of the daily balance that is $35,000 or more). The 2.32% APY is based on a $50,000 daily balance. Higher balances will result in a lower APY.
 
Limited to one account per household.
 
Member FDIC

Business Checking Accounts

Product Annual Percentage Yield (APY) Interest Rate Minimum to Open Minimum to Earn APY
Business Plus 0.20%
0.10%
0.05%
0.20%
0.10%
0.05%
 $500 $10,000 +
$5,000-$9,999
$500-$4,999

Member FDIC. These Checking Accounts are variable rate accounts, thus the rate is subject to change at any time without notice. Fees could reduce earnings.