Rates

Rates at a Glance

Checking

50+ Interest Checking

Effective: 6/21/2023

Rates for 50+ Interest Checking Accounts
BalanceMinimum to OpenInterest RateAPY
$0+$250.10%0.10%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

The rates may change after the account is opened. There is no Minimum balance to obtain the APY. Minimum balance to open the account is $25.

eInterest Checking

Effective: 6/21/2023

Rates for eInterest Checking Accounts
BalanceMinimum to OpenInterest RateAPY
$0+$250.10%0.10%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

The rates may change after the account is opened. There is no Minimum balance to obtain the APY. Minimum balance to open the account is $25.

Keystone Interest Checking

Effective: 6/21/2023

Rates for Keystone Interest Checking Accounts
BalanceMinimum to OpenInterest RateAPY
$0.00 – $1,499.99$250.05%0.05%
$1,500.00+$250.30%0.30%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

The rates may change after the account is opened. Minimum balance to open the account is $25. Minimum balance to earn each APY is shown above.

Savings

Statement Savings Account

Effective: 6/21/2023

Rates for Statement Savings Accounts
Minimum BalanceCompounding FrequencyAPY
$0Quarterly0.10%
$10,000Quarterly0.15%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

The rates may change after the account is opened. Minimum balance to open the account is $25. Minimum balance to earn each APY is shown above.

Kids Savings Account

Effective: 6/21/2023

Rates for Kids Savings Accounts
Minimum BalanceCompounding FrequencyAPY
$1Quarterly0.25%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

The rates may change after the account is opened. There is no Minimum balance to obtain the APY. Minimum balance to open the account is $1.

Club Accounts

Effective: 6/21/2023

Rates for Club Savings Accounts
Minimum BalanceCompounding FrequencyAPY
$1Maturity (1 year)0.25%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

The rates may change after the account is opened. There is no Minimum balance to obtain the APY. Minimum balance to open the account is $1.

Money Market

Effective: 6/21/2023

Minimum BalanceCompounding FrequencyAPY
$2,500Monthly0.35%
$10,000Monthly1.00%
$25,000Monthly1.26%
$50,000Monthly2.02%
$100,000Monthly2.53%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

The rates may change after the account is opened. Minimum balance to open the account is $25. Minimum balance to earn each APY is shown above.

Certificates of Deposit (CDs)

Effective: 2/15/2024

Rates for Certificate of Deposit (CD) Accounts
TermMinimum BalanceCompounding FrequencyAPY
3 Months$1,000Maturity0.15%
6 Months$1,000Maturity0.10%
7 Months$1,000Maturity4.75%
12 Months$1,000Maturity0.15%
13 Months$1,000Annually4.50%
18 Months$1,000Annually0.20%
24 Months$1,000Annually0.40%
30 Months$1,000Annually0.40%
33 Months$1,000Annually3.50%
36 Months$1,000Annually0.45%
48 Months$1,000Annually0.45%
60 Months$1,000Annually2.75%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

Minimum balance to obtain the APY is $1,000. Minimum balance to open the account is $1,000. A penalty may be imposed for early withdrawal.

12-Month Variable Rate CD

Effective: 6/21/2023

Rates for 12-Month Variable Rate CDs
Minimum BalanceCompounding FrequencyAPY
$1,000Quarterly0.50%
$10,000Quarterly1.00%
$25,000Quarterly1.26%
$50,000Quarterly2.02%
$100,000Quarterly2.52%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

The rates may change after the account is opened. Minimum balance to open the account is $1,000. Minimum balance to earn each APY is shown above.  A penalty may be imposed for early withdrawal.

Individual Retirement Accounts (IRAs)

Effective: 2/15/2024

Rates for Individual Retirement Accounts (IRAs)
TermMinimum BalanceCompounding FrequencyAPY
6 Months$100Maturity0.10%
7 Months$100Maturity4.75%
12 Months$100Maturity0.15%
13 Months$100Annually4.50%
18 Months$100Annually0.20%
24 Months$100Annually0.40%
30 Months$100Annually0.40%
36 Months$100Annually3.50%
48 Months$100Annually0.45%
60 Months$100Annually2.75%

APY = Annual Percentage Yield. Fees may reduce earnings on the account.

Minimum balance to obtain the APY is $100. Minimum balance to open the account is $100. A penalty may be imposed for early withdrawal.

Loans

Conventional, Fixed Rate Mortgage

Effective: 7/31/2023

Rates for Conventional, Fixed Rate Mortgages
TermInterest RateAPRMonthly Payment per $100,000Number of Payments
15 Years6.250%6.315%$857.42180
20 Years6.750%6.803%$760.36240
30 Years7.000%7.041%$665.30360

APR = Annual Percentage Rate.

Payments do not include taxes and insurance. Actual payment obligations may be greater.

Construction, Fixed Rate

Effective: 7/31/2023

Rates for Construction, Fixed Rate Loans
TermInterest RateAPRMonthly Payment per $100,000Number of Payments
20 Years6.500%6.552%$745.57240
30 Years7.000%7.046%$665.30360

APR = Annual Percentage Rate.

Payments do not include taxes and insurance. Actual payment obligations may be greater.

Home Equity Installment Loan

Effective: 7/31/2023

Rates for Home Equity Installment Loans
TermInterest RateAPRMonthly Payment per $10,000Number of Payments
5 Years5.750%5.750%$192.1760 Months
10 Years6.000%6.000%$111.02120 Months
15 Years6.500%6.500%$87.11180 Months
20 Years7.000%7.000%$77.53240 Months

APR = Annual Percentage Rate.

Payments do not include taxes and insurance. Actual payment obligations may be greater.

Home Equity Line of Credit (HELOC)

Effective: 7/31/2023

Rates for Home Equity Lines of Credit (HELOCs)
ProductInterest RateAPR
Home Equity Line of Credit8.500%8.500%

APR = Annual Percentage Rate.

Annual Percentage Rate is variable and may change at any time.

Introductory Rate of 5.99% APR for first 3 months. Fully indexed rate is 8.500% APR.

Maximum Annual Percentage Rate that can apply during this plan is 15.00%

Personal Unsecured Installment Loan

Effective: 7/31/2023

Rates for Personal Unsecured Installment Loans
TermInterest RateAPRMonthly Payment per $1,000Number of Payments
1-5 Years9.000%9.003%$20.7660

APR = Annual Percentage Rate.

Personal Unsecured Line of Credit

Effective: 7/31/2023

Rates for Personal Unsecured Lines of Credit
ProductInterest RateAPR
Personal Unsecured Line of Credit11.750%11.750%

APR = Annual Percentage Rate.

Annual Percentage Rate is variable and may change at any time.

Business

Business Checking with Interest

Effective: 6/21/2023

Rates for Business Checking with Interest Accounts
Minimum BalanceCompounding FrequencyInterest Rate
$1.00Monthly0.15%
$5,000Monthly0.20%
$10,000Monthly0.25%
$25,000Monthly0.30%

Interest on Lawyer Trust Accounts (IOLTA)

Effective: 6/21/2023

rates Interest on Lawyer Trust Accounts (IOLTA)
Minimum BalanceCompounding FrequencyInterest Rate
$2,500Monthly0.35%
$10,000Monthly1.00%
$25,000Monthly1.26%
$50,000Monthly2.02%
$100,000Monthly2.53%