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Qualification Requirements (To Earn a Higher Interest Rate)

  • 15 debit card transactions per monthly cycle (hard posted)

  • 1 ACH debit or credit per month

  • E-Statements

  • Must log into on-line banking at least once a month

 Account Qualifications & Interest Rates

  • Minimum to open: $500.00

  • Earn 4.5% APY on balances up to $30,000.00

  • Earn 1.00% APY on balances over $30,000.00

  • If account balance falls under $500.00 any day of the statement cycle a service charge of $10.00 will be imposed.

  • If qualifications are not met, the account will earn .05% APY.

    * APYs are accurate as of 07/25/2025. Rates may change at any time without prior notice, before or after the account is opened. Fees may reduce earnings on the account.

    * Annual Percentage Yield

Restrictions

  • No business accounts

  • Only one account per primary social security number