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Rates

Certificate of Deposit and IRA Rates 

Rates as of November 15, 2023
Term Minimum Balance Interest Rate% APY%*
60 months
$50,000
$20,000
$1,500
2.75%
2.60%
2.10%
2.77%
2.62%
2.11%
48 months
$10,000
$1,500
3.00%
2.05%
3.02%
2.06%
36 months
$20,000
$5,000
3.00%
2.05%
3.02%
2.06%
30 months
$20,000
$1,500
3.00%
2.00%
3.02%
2.01%
24 months
$20,000
$5,000
3.50%
1.85%
3.53%
1.86%
18 months
$20,000
$1,500
3.75%
1.80%
3.79%
1.81%
12 months
$20,000
$1,500
3.75%
1.80%
3.79%
1.81%
182 Day
$20,000
$1,500
3.75%
1.75%
3.79%
1.76%
Student CD: 182 Day1 $500 2.25% 2.26%
91 Day  $1,500 1.75% 1.76%
IRA2 & CESA2 $25 1.75% 1.76%
IRA2
IRA2
IRA2
IRA2
$80,000
$160,000
$250,000
$380,000
2.00%
2.45%
2.70%
4.00%
2.01%
2.47%
2.72%
4.04%
Fixed Rate IRA - Please contact us for details on our new fixed rate option.

*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees could reduce earnings

1Must be a full-time high school or college student, OR 18 years of age or younger
2Variable Rate
 

Certificate of Deposit Specials


Term Minimum Balance Interest Rate% APY%*
35 Month Special
$25,000
$5,000
4.35%
4.08%
4.40%
4.12%
19 Month Special
$25,000
$5,000
5.18%
4.94%
5.25%
5.00%
10 Month Special
$25,000
$5,000
5.42%
5.22%
5.50%
5.30%

*APY=Annual Percentage Yield

A penalty may be imposed for early withdrawal
Fees could reduce earnings
CD Specials on Personal Deposits Only

Checking Account Rates


Term Minimum Balance Interest Rate% APY%*
Hi-Fi Checking1 $2,500.00 0.25% 0.25%
NOW Checking1 $750.00 0.15% 0.15%
STAR Checking1 Up to $4,000.00 5.00% 5.12%
STAR Checking1 Over $4,000.00 0.32% 0.32%
STAR Checking1 Non-qualifying rate 0.05% 0.05%

*APY=Annual Percentage Yield
Fees could reduce earnings
1Variable Rate
 

Savings Account Rates


Term Minimum Balance Interest Rate% APY%*
STAR Savings1
Up to $20,000.00
Over $20,000.00 
1.00%
0.20%
1.00%
0.20%
STAR Savings1 Non-qualifying rate 0.05% 0.05%
Regular Savings1 $100 0.10%
0.10%
Savers Plus1 $300,000 2.20% 2.22%
Savers Plus1 $150,000 1.90% 1.92%
Savers Plus1 $75,000 1.60% 1.61%
Savers Plus1 $30,000 1.25% 1.26%
Savers Plus1 $15,000 0.80% 0.80%
Savers Plus1 $100 0.10% 0.10%
Junior Gems Savings1 $100 0.22% 0.22%
Precious Gems Savings1 $100 0.22% 0.22%
Christmas Club Savings1 $100 0.40% 0.40%

*APY=Annual Percentage Yield
Fees could reduce earnings
1Variable Rate

Health Savings Account Rates


Minimum Balance  Interest Rate% APY%*
$25 1.00% 1.00%

*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees could reduce earnings