INTEREST RATES AND ANNUAL PERCENTAGE YIELDS (APY's)

Interest Rates and APY’s are effective as of February 3, 2021

Certificate of Deposit Account (CD)
Individual Retirement Account (IRA)
HSA's, Checking, Savings and Insured Money Market (IMMA) Accounts

Certificate of Deposit Account (CD)

ACCOUNT TYPE

TERM

INTEREST RATE

APY QUARTERLY

MINIMUM DEPOSIT TO OPEN:

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 30 Days

INTEREST RATE: 0.05%

APY QUARTERLY: 0.05% (at maturity)

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 3 Months

INTEREST RATE: 0.05%

APY QUARTERLY: 0.05%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 6 Months

INTEREST RATE: 0.10%

APY QUARTERLY: 0.10%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 9 Months

INTEREST RATE: 0.13%

APY QUARTERLY: 0.13%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 12 Months

INTEREST RATE: 0.18%

APY QUARTERLY: 0.18%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 18 Months

INTEREST RATE: 0.20%

APY QUARTERLY: 0.20%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 24 Months

INTEREST RATE: 0.23%

APY QUARTERLY: 0.23%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 30 Months

INTEREST RATE: 0.28%

APY QUARTERLY: 0.28%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 36 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 48 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 60 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

Individual Retirement Account (IRA)

ACCOUNT TYPE

TERM

INTEREST RATE

APY QUARTERLY

MINIMUM DEPOSIT TO OPEN:

ACCOUNT TYPE: IRA Golden Variable

TERM: N/A

INTEREST RATE: 0.13%

APY QUARTERLY: 0.13% (at maturity)

MINIMUM DEPOSIT TO OPEN: $50

ACCOUNT TYPE: IRA Golden Variable

TERM: 6 Months

INTEREST RATE: 0.10%

APY QUARTERLY: 0.10%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 12 Months

INTEREST RATE: 0.18%

APY QUARTERLY: 0.18%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 18 Months

INTEREST RATE: 0.20%

APY QUARTERLY: 0.20%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 24 Months

INTEREST RATE: 0.23%

APY QUARTERLY: 0.23%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 36 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 48 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 60 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

HSA's, Checking, Savings and Insured Money Market (IMMA) Accounts

ACCOUNT TYPE

MINIMUM BALANCE TO OBTAIN APY

INTEREST RATE

APY

MINIMUM DEPOSIT TO OPEN:

ACCOUNT TYPE: Health Savings Account (HSA)

MINIMUM BALANCE TO OBTAIN APY: N/A

INTEREST RATE: 0.20%

APY: 0.20%

MINIMUM DEPOSIT TO OPEN: $50

ACCOUNT TYPE: Checking With Interest

MINIMUM BALANCE TO OBTAIN APY: $0.01

INTEREST RATE: 0.05%

APY: 0.05%

MINIMUM DEPOSIT TO OPEN: $1,000

ACCOUNT TYPE: IMMA

MINIMUM BALANCE TO OBTAIN APY: $0.01 - $999.99

INTEREST RATE: 0.05%

APY: 0.05%

MINIMUM DEPOSIT TO OPEN: $1000

ACCOUNT TYPE: IMMA

MINIMUM BALANCE TO OBTAIN APY: $1,000.00 - $24,999.99

INTEREST RATE: 0.05%

APY: 0.05%

MINIMUM DEPOSIT TO OPEN: $1,000

ACCOUNT TYPE: IMMA

MINIMUM BALANCE TO OBTAIN APY: $25,000.00 - $99,999.99

INTEREST RATE: 0.10%

APY: 0.10%

MINIMUM DEPOSIT TO OPEN: $1,000

ACCOUNT TYPE: IMMA

MINIMUM BALANCE TO OBTAIN APY: $100,000.00 - $499,999.99

INTEREST RATE: 0.15%

APY: 0.15%

MINIMUM DEPOSIT TO OPEN: $1,000

ACCOUNT TYPE: IMMA

MINIMUM BALANCE TO OBTAIN APY: $500,000.00 and Over

INTEREST RATE: 0.20%

APY: 0.20%

MINIMUM DEPOSIT TO OPEN: $1,000

ACCOUNT TYPE: Regular Savings

MINIMUM BALANCE TO OBTAIN APY: $50

INTEREST RATE: 0.10%

APY: 0.10%

MINIMUM DEPOSIT TO OPEN: $50

ACCOUNT TYPE: Christmas Savings

MINIMUM BALANCE TO OBTAIN APY: $0.01

INTEREST RATE: 0.10%

APY: 0.10%

MINIMUM DEPOSIT TO OPEN: No Minimum

ACCOUNT TYPE: Vacation Club

MINIMUM BALANCE TO OBTAIN APY: $0.01

INTEREST RATE: 0.10%

APY: 0.10%

MINIMUM DEPOSIT TO OPEN: No Minimum

CD Penalty (on amount withdrawn early):
Term: under 1 year = 3 months interest
Term: 1 to 2 years = 6 months interest
Term: Over 2 years = 12 months interest

Member FDIC
CD's and IRA's are subject to early withdrawal penalties (see disclosure)
CD and IRA interest rates are fixed unless noted as a variable rate
At the Banks discretion the Interest Rates and APY's may change at any time
Account fee’s may reduce earnings
The rates quoted are for individual investors only. These rates do not apply to institutional investors
Contact an employee for further information about fees and terms