Home Personal Deposit Rates

Deposit Rates

Committed to You and the Community

Earn competitive rates on all our FDIC insured, interest earning products. In addition, your dollars will be reinvested right here in our community to support growth and new opportunities.

Annual Percentage Yields (APY) effective 9/11/19.

Certificates of Deposit

 BalanceInterest RateAPY
12 Month Cd Plus*$500.00 and above2.17%2.19%
18 month rule Breaker**
30 Month Rule Breaker**
$5,000.00 and above
$5,000.00 and above
2.00%
2.50%
2.02%
2.52%
48 Month$25,000.00 and above
$10,000.00 – $24,999.99
$500.00 – $9,999.99
2.25%
2.00%
1.75%
2.27%
2.02%
1.76%
36 month$25,000.00 and above
$10,000.00 – $24,999.99
$500.00 – $9,999.99
2.10%
1.85%
1.60%
2.12%
1.86%
1.61%
30 Month$25,000.00 and above
$10,000.00 – $24,999.99
$500.00 – $9,999.99
2.05%
1.80%
1.55%
2.07%
1.81%
1.56%
24 Month$25,000.00 and above
$10,000.00 – $24,999.99
$500.00 – $9,999.99
2.00%
1.75%
1.50%
2.02%
1.76%
1.51%
18 Month$25,000.00 and above
$10,000.00 – $24,999.99
$500.00 – $9,999.99
1.90%
1.65%
1.40%
1.91%
1.66%
1.41%
12 Month$25,000.00 and above
$10,000.00 – $24,999.99
$500.00 – $9,999.99
1.80%
1.55%
1.30%
1.81%
1.56%
1.31%
6 Month$25,000.00 and above
$10,000.00 – $24,999.99
$500.00 – $9,999.99
1.65%
1.40%
1.15%
1.66%
1.40%
1.15%
3 MONTH$25,000.00 and above
$10,000.00 – $24,999.99
$500.00 – $9,999.99
1.50%
1.25%
1.00%
1.51%
1.26%
1.00%

Savings Accounts

 BalanceInterest RateAPY
Platinum Money Market Savings***$250,000.00 and above
$100,000.00 – $249,999.99
$50,000.00 – $99,999.99
$10,000.00 – $49,999.99
Up to $9,999.99
0.55%
0.45%
0.35%
0.25%
0.15%
0.55%
0.45%
0.35%
0.25%
0.15%
Money Market Savings***$50,000.00 and above
$25,000.00 – $49,999.99
$5,000.00 – $24,999.99
Up to $4,999.99
0.25%
0.20%
0.15%
0.10%
0.25%
0.20%
0.15%
0.10%
Classic Savings***$0.01 and above0.10%0.10%

Checking Accounts

 BalanceInterest RateAPY
Platinum Checking***$50,000.00 and above
$25,000.00 – $49,999.99
$10,000.00 – $24,999.99
Up to $9,999.99
0.10%
0.05%
0.05%
0.05%
0.10%
0.05%
0.05%
0.05%
Shamrock Checking***$0.01 and above0.05%0.05%

 

Important Information

Certificates of Deposits

Early withdrawal penalties may apply. Automatically renewable. Minimum balance to obtain APY on the lowest tier, $500 – $9,999, is $0.01.

*CD Plus Rate is variable and may change after account opening. Minimum balance to open account is $500. Additional deposits allowed in $50 increments. Early withdrawal penalties may apply. Interest is paid quarterly.

**Rule BreakerADD to it. WITHDRAW from it. BUMP your rate! Minimum balance to open account is $5,000. Additional deposits, $1,000.00 minimum, are allowed during initial term of account. We reserve the right to decline or limit additional deposits at our discretion. A one-time bump-up of the interest rate and APY may be exercised during the initial term, the bump-up will be equal to the interest rate and APY we are offering on current time deposits for the term that is equal to or shorter than the time remaining to maturity on account. During the initial term of the account, a one-time withdrawal of up to 50% of the opening deposit is allowed without an early withdrawal penalty. Active Central Bank checking account required. Consumer deposits only.

Checking & Savings Accounts

Fees may reduce earnings. All rates are subject to change without notice. Minimum balance to open account:

  • Platinum Money Market – $10,000
  • Money Market – $1,000
  • All others – $100

Minimum balance to obtain APY on the lowest tier of Platinum Checking and Platinum Savings, up to $9,999.99, is $0.01.

Minimum balance to obtain APY on the lowest tier of Money Market Savings, up to $4,999.99, is $0.01.

Minimum balance to obtain APY on Classic Savings is $0.01.

Minimum balance to obtain APY on Shamrock Checking is $0.01.

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