Current Rates

Rates effective as of April 15, 2024

All depositors are insured up to $250,000.00 by the Federal Deposit Insurance Corporation.
Rates may be unavailable in counties where the Bank does not maintain a branch facility.

Platinum Money Market

Amount	Interest Rate	APY
$100,000 and up	1.00%	1.00%
$25,000 to $99,999	0.78%	0.78%
$24,999 & below	0.44%	0.44%

Minimum Opening Deposit is $25,000. APY is Annual Percentage Yield.
Interest Rate is variable and may change after the account is opened. Fees may reduce earnings on account.

Interest Checking

Amount	Interest Rate	APY
$15,000 and up	0.04%	0.04%
$5,000 to $14,999	0.04%	0.04%
$1,000 to $4,999	0.04%	0.04%
$999 & below	0.00%	0.00%

APY is Annual Percentage Yield. Minimum opening deposit is $50.
Interest Rate is variable and may change after the account is opened. Fees may reduce earnings.

Certificate Specials*

Term	Interest Rate	APY	Interest Rate	APY
	Under $100,000		$100,000 and Over
14 Month	4.01%	4.08%	4.07%	4.15%
7 Month	4.01%	4.08%	4.07%	4.15%

$10,000 minimum deposit on 7 month and 14 month special.
Upon maturity 7 month special will renew at current 6 month rate.
Upon maturity 14 month special will renew at current 12 month rate.
* Withdrawals of interest may reduce earnings. A penalty may be imposed for early withdrawal. APY is Annual Percentage Yield.

Certificate of Deposit*

Term	Interest Rate	APY	Interest Rate	APY
	Under $100,000		$100,000 and Over
10 Years	1.99%	2.01%	2.05%	2.07%
5 Years	2.06%	2.08%	2.12%	2.14%
48 Months	2.09%	2.11%	2.15%	2.17%
36 Months	2.13%	2.15%	2.19%	2.21%
24 Months	2.48%	2.51%	2.54%	2.57%
12 Months	2.77%	2.81%	2.83%	2.87%
6 Months	2.43%	2.46%	2.49%	2.52%
3 Months	2.02%	2.04%	2.08%	2.10%

Minimum Opening Deposit is $1,000. APY is Annual Percentage Yield.
* Withdrawals of interest may reduce earnings. A penalty may be imposed for early withdrawal. Specials cannot be combined with any other offers. Interest begins to accrue on the business day you deposit non-cash items.

Classic Savings

Amount	Interest Rate	APY
Full Balance	0.05%	0.05%

APY is Annual Percentage Yield. Minimum Opening Deposit is $50. Fees may reduce earnings.
Interest Rate is variable and may change after the account is opened.

Christmas Club

Amount	Interest Rate	APY
Full Balance	0.05%	0.05%

APY is Annual Percentage Yield. Minimum Opening Deposit is $1.00. Interest Rate is variable and may change after the account is opened. See us for specific details on Christmas Club Accounts.

IRA Accounts

Term	Interest Rate	APY	Interest Rate	APY
	Under $100,000		$100,000 and Over
10 Years	1.99%	2.01%	2.05%	2.07%
5 Years	2.06%	2.08%	2.12%	2.14%
48 Months	2.09%	2.11%	2.15%	2.17%
36 Months	2.13%	2.15%	2.19%	2.21%
24 Months	2.48%	2.51%	2.54%	2.57%
12 Months	2.77%	2.81%	2.83%	2.87%

Minimum Opening Deposit is $1,000. APY is Annual Percentage Yield. A penalty may be imposed for early withdrawal.

Money Market IRA

Amount	Interest Rate	APY
Full Balance	0.10%	0.10%

Minimum opening deposit is $100. APY is Annual Percentage Yield. Interest Rate is variable and may change after the account is opened.

Health Savings Accounts

Amount	Interest Rate	APY
Full Balance	.05%	.05%

Interest Rate is variable and may change after the account is opened. Fees may reduce earnings. APY is Annual Percentage Yield.

Interest on all accounts, except certificates of deposit, IRA Specials and IRA certificates of deposits, begins to accrue no later than the business day the bank receives credit for the deposit of non-cash items.

For purposes of determining applicable rates, deposit amounts are rounded down to the nearest dollar. For example, a balance of $14,999.90 would qualify for rates payable on deposits up to $14,999, not for rates payable on deposits of $15,000 or over.