Deposit Rates
Effective October 1, 2025
Personal Savings
| Account | Rate | APY | Paid |
|---|---|---|---|
| Regular Share and Club Accounts Average Balances $100 - $2,999 Average Balances > $3,000 |
0.10% 0.20% |
0.10% 0.20% |
Quarterly Quarterly |
| Round-Up Savings^ | 5.00% | 5.10% | Quarterly |
| Variable Rate IRA Rates subject to change quarterly |
0.50% | 0.50% | Quarterly |
| High Rate Savings†† ($10,000 required average daily balance) |
3.93% | 4.00% | Monthly |
Checking & Money Market Account
| Account | Rate | APY | Paid |
|---|---|---|---|
| Guardian and Simplified Checking ($2,500 required average daily balance) |
0.05% | 0.05% | Monthly |
| Ultimate Checking† Average Balances up to $15,000 Average Balances > $15,000 |
4.41% 0.05% |
4.50% 0.05% |
Monthly |
| Premier Checking ($5,000 required average daily balance) |
0.20% | 0.20% | Monthly |
| Money Market+ ($2,500 daily balance required) $2,500 to $9,999.99 $10,000 to $24,999.99 $25,000 to $99,999.99 $100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and up |
2.96% 2.96% 2.96% 2.96% 2.96% 2.96% |
3.00% 3.00% 3.00% 3.00% 3.00% 3.00% |
Monthly Monthly Monthly Monthly Monthly Monthly |
Certificates of Deposit & IRA Certificates of Deposit
| Account | Rate | APY | Paid |
|---|---|---|---|
| Certificates of Deposit 6 Months* $500 Minimum 12 Months* $500 Minimum 18 Months* $500 Minimum 24 Months* $500 Minimum 36 Months* $500 Minimum 48 Months* $500 Minimum 60 Months* $500 Minimum |
3.78% 3.74% 3.59% 3.49% 3.45% 3.40% 3.35% |
3.85% 3.80% 3.65% 3.55% 3.50% 3.45% 3.40% |
Monthly Monthly Monthly Monthly Monthly Monthly Monthly |
Business
| Account | Rate | APY | Paid |
|---|---|---|---|
| Business Savings Average Balances $100 - $2,999 Average Balances > $3,000 |
0.10% 0.20% |
0.10% 0.20% |
Quarterly |
| Business Checking ($2,500 required average daily balance) |
0.05% | 0.05% | Monthly |
| Business Premier Checking ($5,000 required average daily balance) |
0.20% | 0.20% | Monthly |
| Business Money Market+ ($2,500 daily balance required) $2,500 to $9,999.99 $10,000 to $24,999.99 $25,000 to $99,999.99 $100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and up |
1.64% 1.69% 1.74% 2.42% 2.52% 2.52% |
1.65% 1.70% 1.75% 2.45% 2.55% 2.55% |
Monthly Monthly Monthly Monthly Monthly Monthly |
| Business Certificates of Deposit 6 Months* $500 Minimum 12 Months* $500 Minimum 18 Months* $500 Minimum 24 Months* $500 Minimum 36 Months* $500 Minimum 48 Months* $500 Minimum 60 Months* $500 Minimum |
3.78% 3.74% 3.59% 3.49% 3.45% 3.40% 3.35% |
3.85% 3.80% 3.65% 3.55% 3.50% 3.45% 3.40% |
Monthly Monthly Monthly Monthly Monthly Monthly Monthly |
Choose a Category
*Penalties may be applied for early withdrawal.
**Higher penalty may be applied for early withdrawal.
^Guardian Checking required to open account.
† Monthly minimum of $250 in debit card spending and 15 debit card transactions required to qualify
†† Ultimate Checking required to open account; must meet Ultimate Checking monthly requirements to earn dividends.
APY = Annual Percentage Yield
Rates are subject to change at any time.
