Rates as of date
Certificate of Deposit and IRA Rates |
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Term | Minimum Balance |
Interest Rate |
APY* |
60 Months | $20,000 $10,000 $1,500 |
1.00% 0.90% 0.45% |
1.00% 0.90% 0.45% |
48 Months | $10,000 $1,500 |
0.84% 0.42% |
0.84% 0.42% |
36 Months | $10,000 $5,000 |
0.74% 0.40% |
0.74% 0.40% |
30 Months | $10,000 $1,500 |
0.64% 0.34% |
0.64% 0.34% |
24 Months | $10,000 $5,000 |
0.60% 0.30% |
0.60% 0.30% |
18 Months | $10,000 $1,500 |
0.55% 0.25% |
0.55% 0.25% |
12 Months | $10,000 $1,500 |
0.50% 0.25% |
0.50% 0.25% |
182 Day | $10,000 $1,500 |
0.30% 0.20% |
0.30% 0.20% |
Student CD: 182 Day1 | $500 | 0.60% | 0.60% |
91 Day | $1,500 | 0.15% | 0.15% |
IRA2 & CESA2 | $25 | 1.00% | 1.00% |
IRA2IRA2IRA2 | $80,000$160,000$250,000 | 1.10%1.20%1.30% | 1.10%1.20%1.30% |
*APY=Annual Percentage Yield |
Certificate of Deposit Specials |
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Term | Minimum Balance | Interest Rate | APY* |
18 Month Special | $15,000 | 0.65% | 0.65% |
182 Day Special | $15,000 | 0.50% | 0.50% |
*APY=Annual Percentage Yield CD Specials on Personal Deposits Only |
Checking Account Rates |
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Term | Minimum Balance | Interest Rate | APY* |
GEM Club Checking1 | $750 | 0.20% | 0.20% |
Hi-Fi Checking1 | $2,500 | 0.30% | 0.30% |
NOW Checking1 | $750 | 0.20% | 0.20% |
STAR Checking1 | $0.01 - $4,000 | 5.00% | 5.12% |
STAR Checking1 | $4,000.01 or greater | 0.32% | 0.32% |
STAR Checking1 | Non-qualifying rate | 0.05% | 0.05% |
*APY=Annual Percentage Yield |
Savings Account Rates |
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Term | Minimum Balance | Interest Rate | APY* |
STAR Savings1 | $0.01-$20,000 $20,000.01 or greater |
1.00% 0.20% |
1.00% 0.20% |
STAR Savings1 | Non-qulaifying rate | 0.05% | 0.05% |
Regular Savings1 | $100 | 0.20% | 0.20% |
Savers Plus1 | $300,000 | 0.60% | 0.60% |
Savers Plus1 | $150,000 | 0.45% | 0.45% |
Savers Plus1 | $75,000 | 0.35% | 0.35% |
Savers Plus1 | $30,000 | 0.27% | 0.27% |
Savers Plus1 | $15,000 | 0.25% | 0.25% |
Savers Plus1 | $100 | 0.25% | 0.25% |
Junior Gems Savings1 | $100 | 0.27% | 0.27% |
Precious Gems Kids Club1 | $100 | 0.27% | 0.27% |
Christmas Club Savings1 | $100 | 0.40% | 0.40% |
*APY=Annual Percentage Yield |
Health Savings Account Rates |
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Minimum Balance | Interest Rate | APY* |
$25 | 1.00% | 1.00% |
*APY=Annual Percentage Yield |