Account Rates

Checking Accounts

Account	Minimum Opening Deposit	Minimum Collected Balance to Earn APY1	APY2
Basic Checking	$100	Non Interest Bearing	Non Interest Bearing
SB Secure Checking	$100	Non Interest Bearing	Non Interest Bearing
NOW Checking	$100	$1 $10,000 $25,000+	0.025% 0.050% 0.050%
Discover Club Checking	$100	$1,000	0.075%
Health Savings Account (HSA)	$100	$1	0.075%

1. For tiered accounts, the interest rate listed in each tier will be paid on the entire balance in your account. 
2. Annual Percentage Yields (APYs) and rates may change after account is opened. Fees may reduce earnings.

Savings Accounts

Account	Minimum Opening Deposit	Minimum Collected Balance to Earn APY1	APY2
Regular Savings	$100	$1	0.050%
Youth Super Saver	$10	$1	0.050%
Christmas Club	$1	$1	0.150%
Money Market	$100	$1 $10,000 $50,000 $100,000+	0.050% 0.050% 0.050% 0.100%
VIP Money Market	$25,000	$1 $50,000 $100,000+	0.050% 0.050% 0.100%

1. For tiered accounts, the interest rate listed in each tier will be paid on the entire balance in your account. 
2. Annual Percentage Yields (APYs) and rates may change after account is opened. Fees may reduce earnings.

Certificates of Deposit (CDs)

Term	Balance1	APY
24 Month Special	$5,000	0.35%
36 Month Special	$5,000	0.50%
3 Month	$2,500	0.05%
6 Month	$2,500	0.05%
12 Month	$1,000	0.20%
18 Month	$1,000	0.25%
24 Month	$1,000	0.25%
36 Month	$1,000	0.45%
48 Month	$1,000	0.55%
60 Month	$1,000	0.65%

1. Minimum balance required to open and earn Annual Percentage Yield (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Individual Retirement Accounts (IRAs)

Term	Balance1	APY
24 Month Special	$5,000	0.35%
36 Month Special	$5,000	0.50%
12 Month	$250	0.20%
18 Month	$250	0.25%
24 Month	$250	0.25%
36 Month	$250	0.45%
48 Month	$250	0.55%
60 Month	$250	0.65%

1. Minimum balance required to open and earn Annual Percentage Yield (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Header Photo by Bob Marcum