Current Rates

Effective Date 07/21/2021 (c)

Checking Accounts

Account TypeMinimum Opening DepositMinimum Balance Required to Earn APY (a)Interest RateAPY (a)
Simply Free Checking
$50.00
N/A
N/A
N/A
50 Plus Interest Checking (b)
$50.00
N/A
0.10%
0.10%
Direct Interest Checking (b)
$50.00
N/A
0.10%
0.10%
Premium Interest Checking (b) (d)
$50.00
$0.00 to $1,499.99
$1,500.00 or more
0.05%
0.10%
0.05%
0.10%
Simply Free Business Checking
$50.00
N/A
N/A
N/A
Business Interest Checking (b) (d)
$50.00
N/A
0.10%
0.10%
HSA Checking (b)
$50.00
$100.00 to $249.99
$250.00 to $999.99
$1,000.00 to $4,999.99
$5,000.00 & Over
0.05%
0.05%
0.05%
0.25%
0.05%
0.05%
0.05%
0.25%

Current Savings and CD Rates

Account NameMinimum Opening DepositMinimum Balance Required to Earn APY (a)Interest RateAPY (a)
5-Star Money Market (b) (d)
$50.00
$0.00 to $4.999.99
$5,000.00 to $24,999.99
$25,000.00 & Over
0.05%
0.15%
0.60%
0.05%
0.15%
0.60%
Member Savings Account (b) (d)
$50.00
$0.00 to $14,999.99
$15,000.00 & Over
0.10%
0.20%
0.10%
0.20%
CAP "Rainy Day Fund" (b) (d)
$500.00
$500.00 & Over
0.05%
0.05%
Statement Savings IRA
($100 to $249)
(b)
$50.00
$100.00 to $249.99
$250.00 to $999.99
$1,000.00 & Over
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
 91 Day Certificate (e)
$ 2,000.00
N/A
0.15%
0.15%
182 Day Certificate (e)
$ 2,000.00
N/A
0.30%
0.30%
1 Year Certificate (e)
$ 2,000.00
N/A
0.40%
0.40%
2 Year Certificate (e)
$ 2,000.00
N/A
0.50%
0.50%
3 Year Certificate (e)
$ 2,000.00
N/A
0.70%
0.70%
4 Year Certificate * (with Rate
Protection)
(b) (e) (f)
$ 2,000.00
N/A
0.80%
0.80%
5 Year Certificate (e)
$ 2,000.00
N/A
1.00%
1.00%

  1.  APY refers to Annual Percentage Yield. Annual Percentage Yield assumes interest will remain on deposit.

  2.  The Interest Rate and Annual Percentage Yield (APY) may change after account opening.

  3.  Interest Rates and APYs are accurate as of the noted effective date and are subject to change without notice.

  4.  Fees and Service Charges can reduce the earnings on an account.

  5.  A penalty will be imposed for early withdrawal.

  6.  Rate Protection – This 4 year certificate offers maximum protection against fluctuating interest rates. If rates increase, you can adjust your rate up to the current rate offered for the remaining term of your CD….and you can adjust it up twice! Your rate can never go lower than the initial rate or the rate you have adjusted up to.