Savings Rates

CD Promotion - Minimum opening deposit is $1,000 for promotion rate

Term	Rate	APY*
9 month	5.35%	5.50%
18 month	5.11%	5.25%

Regular Share Savings

Balance Range	Rate	APY*
$0 - and up	0.25%	0.25%

Rates are subject to change without notice. Rates effective as of 5/1/2023

Rewards Savings - *Requirements Met

Balance Range	Rate	APY*
$0.00 to $25,000.00*	1.50%	1.51%
$25,001.00 or Greater*	0.15%	0.15%
Requirements Not Met	0.05%	0.05%

Rates are subject to change without notice. Rates effective as of 5/1/2023. Requires Rewards Checking account. 

Young Savers (for ages up to 18 yrs) Converted to Basic Savings at 18

Balance Range	Rate	APY*
$0 - and up	0.50%	0.50% APY

Rates are subject to change without notice. Rates effective as of 08/25/2022.

Health Savings

Balance Range	Rate	APY*
$0 - $499.99	0.00%	0.00%
$500.00 and up	2.00%	2.02%

*APY = Annual Percentage Yield

Rates are subject to change without notice. Rates effective as of 5/1/2023

IRA Savings

Balance Range	Rate	APY*
$0 - and up	0.25%	0.25%

*APY = Annual Percentage Yield

Rates are subject to change without notice. Rates effective as of 08/25/2022.

Share Certificate/IRA Share Certificate Minimum opening deposit is $1,000

Term	Rate	APY*
6 months	3.93%	4.00%
12 months	4.65%	4.75%
24 months	4.65%	4.75%
36 months	4.26%	4.35%
48 months	4.26%	4.35%
60 months	4.26%	4.35%

Rates are subject to change without notice. Rates effective as of 6/30/2023

 

 

Carter Cash Back Checking

Account Type	Rate	APY*
No minimum balance required1	3.00%	3.00%

¹ Earns 3% cash back on debit card purchases up to $300 Qualifications of Direct Deposit or ACH, set up estatements and 11 debit card purchases posted and cleared to earn 3.00% APY

Rates are subject to change without notice. Rates effective as of 08/25/2022.

Beyond Rewards Checking

Balance Range	Rate	APY*
Up to $10,000	2.23%	2.25%
Above $10,000	0.25%	0.25%

To earn your rewards or cash back on your Rewards Checking or Carter Cash Back Checking simply complete the following activities and transactions for each monthly qualification cycle: Have at least 11 debit card purchases post and settle, Have at least 1 direct deposit or recurring ACH payment post and settle, and be enrolled and receive E-Statements. You can earn higher dividends on your savings account when you link your Rewards Checking to a Rewards Savings. 

Balance from $0.00 to $10,000 earns APY of 2.25%, above $10,000 earns APY of 0.25%.

Rates are subject to change without notice. Rates effective as of 01/01/2021

Rewards Checking

Balance Range	Rate	APY*
Up to $10,000	2.23%	2.25%
Above $10,000	0.25%	0.25%

To earn your rewards or cash back on your Rewards Checking or Carter Cash Back Checking simply complete the following activities and transactions for each monthly qualification cycle: Have at least 11 debit card purchases post and settle, Have at least 1 direct deposit or recurring ACH payment post and settle, and be enrolled and receive E-Statements.

Balance from $0.00 to $10,000 earns APY of 2.25%, above $10,000 earns APY of 0.25%.

Rates are subject to change without notice. Rates effective as of 5/1/2023.

Classic Checking

Balance Range	Rate	APY*
Any Balance	0.15%	0.15%

Rates are subject to change without notice. Rates effective as of 5/1/2023.

Money Max

Balance Range	Rate	APY*
0 to $499.99	0.00%	0.00%
$500 to $2,499	0.99%	1.00%
$2,500 to $9,999	2.22%	2.25%
$10,000 to $49,999.99	2.71%	2.75%
$50,000 to $249,999.99	3.20%	3.25%
$250,000 and up	3.44%	3.50%

*APY=Annual Percentage Yield

Rates are subject to change without notice. Rates effective as of 7/14/2023

Free Checking

Balance Range	Rate
None	0.00%