Rates

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Description Minimum Balance for Interest Rate Interest Rate Annual Percentage Yield (APY) Monthly Compounding Annual Percentage Yield (APY) Quarterly Compounding
 
Checking Accounts - Interest Bearing*
Business Interest Checking
($50 to Open)
$0.00 0.05% 0.05%  
Legacy Checking
($50 to Open)
$0.00 0.10% 0.10%  
Advantage Checking
($50 to Open)
$0.00 0.10% 0.10%  
Platinum Checking
($0.00 - $1,499.99)
($50 to Open)
$0.00 0.10% 0.10%  
Platinum Checking
($1,500 & Above)
($50 to Open)
$1,500 0.15% 0.15%  
Health Savings Account*
($50 to Open)
$0.00 0.80% 0.80%  
Savings Accounts*
Statement Savings
($100 to Open)
$0.00 0.25% 0.25%  
Christmas Club***                   ($5 to Open) $0.01 0.25% Interest Paid at Maturity***  
Money Market Demand Account
Tier #2   ($0.00 to $24,999.99)                   ($2,500 to Open)
$0.00 1.35% 1.35%  
Money Market Demand Account Tier #1   ($25,000.00 & Above)          ($2,500 to Open) $25,000.00 1.55% 1.55%  
Time Deposits**
C.D. 1 Month $1,000.00 0.25% 0.25%  
C.D. 3 Months $1,000.00 0.30%   0.30%
C.D. 6 Months $1,000.00 0.70%   0.70%
C.D. 9 Months $1,000.00 0.75%   0.75%
C.D. 12 Months $1,000.00 1.59%   1.60%
C.D. 18 Months $1,000.00 1.89%   1.89%
C.D. 24 Months $1,000.00 1.99%   2.00%
C.D. 30 Months $1,000.00 2.03%   2.05%
C.D. 36 Months $1,000.00 2.08%   2.10%
C.D. 60 Months $1,000.00 2.18%   2.20%
IRAs**
IRA 1 Months $1,000.00 0.25% 0.25%  
IRA 6 Months $1,000.00 0.70%   0.70%
IRA 12 Months $1,000.00 1.59%   1.60%
IRA 18 Months $1,000.00 1.89%   1.89%
IRA 24 Months $1,000.00 1.99%   2.00%
IRA 36 Months $1,000.00 2.08%   2.20%
IRA 48 Months $1,000.00 2.13%   2.15%
IRA 60 Months $1,000.00 2.18%   2.20%

 *Terms and Conditions

  • Rates subject to change without notice.
  • Account fees may reduce the earnings on the account.
  • For Interest Bearing Checking, Savings, and Christmas Club accounts - the daily balance method is used to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • **The daily balance method is also used to calculate interest on Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs). This method applies a daily periodic rate to the principal in your account each day.
  • The interest rate and "Annual Percentage Yield" may change after the account is opened.
  • If the interest-bearing account is closed before the interest is credited, you will NOT receive the accrued interest.
  • The interest rate and "Annual Percentage Yield" are accurate
  • Fees may reduce earnings on the account.
  • Annual Percentage Yield (APY):
    • **Certificates of Deposit and Individual Retirement Accounts - the APY assumes quarterly compounding with funds remaining on deposit for a full year. Interest is credited quarterly.
    • Interest Bearing Checking, Savings & Christmas Club Accounts - the interest is compounded and credited monthly.
  • **A penalty may be imposed for early withdrawal.
  • ***We will withdraw the balance of your account plus accrued interest and disburse back to the account owners by AFT into the designated FSB&T account at maturity.

Please see a Customer Service Representative for additional disclosure information and/or any rate specials.