Current Rates
Rates as of November 3, 2024
Rates Subject to Change
For more information contact us
Savings & Checking Accounts
Savings & Checking Accounts | Minimum Deposit to Open | Interest Rate | Annual Percentage Yield |
---|---|---|---|
Local Choice Savings |
$100 | .05% | .05% |
Holiday Savings |
$5 | .05% | .05% |
Business Savings |
$100 | .05% | .05% |
CA$H Kids Club |
$5 | .05% | .05% |
Smart Start Savings |
$5 | .05% | .05% |
UTMA |
$5 | .05% | .05% |
Local Choice Interest |
$25 | ||
*Below $2,500 |
.05% | .05% | |
*$2,500 to $9,999 |
.05% | .05% | |
*$10,000 to $24,999 |
.05% | .05% | |
*$25,000 to $49,999 |
.05% | .05% | |
*$50,000 to $99,999 |
.15% | .15% | |
*$100,000 and over |
.15% | .15% | |
Business Money Market |
$2,500 | ||
*Below $2,500 |
.05% | .05% | |
*$2,500 to $9,999 |
.05% | .05% | |
*$10,000 to $24,999 |
.05% | .05% | |
*$25,000 to $49,999 |
.05% | .05% | |
*$50,000 to $99,999 |
.15% | .15% | |
*$100,000 and over |
.15% | .15% | |
Business Interest Checking |
$1,000 | ||
*$10,000 | .05% | .05% | |
*Below $10,000 | .05% | .05% | |
HSA Checking |
$100 | ||
*Below $2,500 | .05% | .05% | |
*$2,500 to 9,999 | .10% | .10% | |
*$10,000 to 24,999 | .10% | .10% | |
*$25,000 and over | .15% | .15% |
*Minimum daily balance to obtain annual percentage yield.
Savings and Checking rates shown above are variable rates and may change after account opening.
The rates and annual percentage yields may change as often as daily; fees may reduce earnings.
Certificates of Deposit(CD)
Term | Interest Rate | *APY | †Minimum Balance to Open and to Obtain APY* | **Penalty |
---|---|---|---|---|
6 months | 3.94% | 4.00% | $500.00 | 90 Days |
7 months*** |
4.67% | 4.75% | $500.00 | 90 Days |
12 months |
3.94% | 4.00% | $500.00 | 120 Days |
18 months |
2.97% | 3.00% | $500.00 | 120 Days |
24 months |
2.48% | 2.50% | $500.00 | 120 Days |
36 months | 1.99% | 2.00% | $500.00 | 180 Days |
48 months |
1.49% | 1.50% | $500.00 | 180 Days |
60 months |
1.49% | 1.50% | $500.00 | 180 Days |
Rates are fixed for the term of the CDs. The annual percentage yield assumes interest remains on deposit until maturity, a withdrawal will reduce earnings.
†The daily balance is the amount of principal in the account each day. Early withdrawal penalties apply.
*Annual Percentage Yield
**PENALTY EXCEPTIONS
We will consent to a request for early withdrawal without imposing a penalty if one or more of the following conditions are met:
- The death of any account holder.
- An account holder is declared legally incompetent by a court or other administrative body of competent jurisdiction.
***Promotional product
Individual Retirement Accounts (IRA)
Simplified Employee Pension Accounts (SEP)
Savings Account | Interest Rate | *APY | Minimum Initial Deposit | Minimum Subsequent Deposits |
---|---|---|---|---|
IRA Savings Account | .05% | .05% | $ 100.00 | $50.00 |
Term Accounts | Interest Rate | *APY | **Minimum Initial Deposit | ***Penalty |
32 thru 91 Days | .10% | .10% | $ 2,000.00 | 30 Days |
92 thru 182 Days | .10% | .10% | $ 2,000.00 | 30 Days |
183 thru 364 Days | .15% | .15% | $ 2,000.00 | 90 Days |
12 to 23 Months | .15% | .15% | $ 1,000.00 | 120 Days |
24 to 35 Months | .30% | .30% | $ 1,000.00 | 120 Days |
36 to 59 Months | .35% | .35% | $ 500.00 | 180 Days |
60 Months Maximum | .60% | .60% | $ 500.00 | 180 Days |
Term Accounts | Interest Rate | *APY | **Minimum Bal. Required | ***Penalty |
32 thru 91 Days | .10% | .10% | $ 10,000.00 | 30 Days |
92 thru 182 Days | .15% | .15% | $ 10,000.00 | 30 Days |
183 thru 364 Days | .20% | .20% | $ 10,000.00 | 90 Days |
12 to 23 Months | .30% | .30% | $ 10,000.00 | 120 Days |
24 to 35 Months | .45% | .45% | $ 10,000.00 | 120 Days |
36 to 59 Months | .50% | .50% | $ 10,000.00 | 180 Days |
60 Months Maximum | .75% | .75% | $ 10,000.00 | 180 Days |
The IRA Savings Account shown above has a variable rate and may change after account opening.
Rates are fixed for the term of the IRA Term Accounts. The annual percentage yield assumes interest remains on deposit until maturity, a withdrawal will reduce earnings.
*Annual Percentage Yield
**Minimum balance to open account and to obtain Annual Percentage Yield.
***PENALTY EXCEPTIONS
We will consent to a request for early withdrawal from your retirement account without imposing a penalty if one or more of the following conditions are met:
- The death of any account holder.
- An account holder is declared legally incompetent by a court or other administrative body of competent jurisdiction.
- The account owner is 59-1/2 years of age.
- The account owner is disabled at the time of the request.