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Deposit Rates

Savings

Rates effective June 16th, 2024
Positively Different Savings
With a daily balance ofWhat you get
Interest RateAPY*
At least $0.010.10%0.10%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Money Market

Rates effective June 16th, 2024
Positively Different Money Market
With a daily balance ofWhat you get
Interest RateAPY*
$0.01 - 14,999.990.50%0.50%
$15,000 - 24,999.990.50%0.50%
$25,000 - 49,999.990.50%0.50%
$50,000 - 99,999.990.50%0.50%
$100,000 - 249,9990.50%0.50%
$250,000 & up0.50%0.50%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Premier Money Market

Rates effective June 16th, 2024
Premier Money Market
With a daily balance ofWhat you get
Interest RateAPY*
$0.01 - 24,999.991.27%1.28%
$25,000 - 99,999.992.96%3.00%
$100,000 - 249,9993.20%3.25%
$250,000 - 499,999.993.45%3.50%
$500,000 - 999,999.993.69%3.75%
$1,000,000 & up3.69%3.75%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

SmartRate Checking

Rates effective June 16th, 2024
SmartRate Checking
With a daily balance ofWhat you get
Interest RateAPY*
Balance up to and including $10,0001.00%1.00%
That portion of your balance that is greater than $10,0000.25%1.00% to 0.40%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. If your daily balance is $10,000 or less, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield of 1.00%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $10,000. The annual percentage yield for this tier will range from 1.00% APY to 0.40% APY. For example purposes only, this APY range is calculated assuming account balances from $10,000.01 to $50,000.00.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Rates effective June 16th, 2024
Positively Direct Interest Checking
With a daily balance ofWhat you get
Interest RateAPY*
At least $0.010.10%0.10%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Premium Interest Checking

Rates effective June 16th, 2024
Positively Premium Interest Checking
With a daily balance ofWhat you get
Interest RateAPY*
$0.01 - 1,499.990.05%0.05%
$1,500 & up0.10%0.10%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

50+ Interest Checking

Rates effective June 16th, 2024
Positively 50+ Interest Checking
With a daily balance ofWhat you get
Interest RateAPY*
At least $0.010.10%0.10%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Certificates of Deposit (CDs)

Rates effective June 16th, 2024
Certificates of Deposit
DurationMinimum Balance to Earn APYWhat you get
Interest RateAPY*
4 Month Special**$5004.89%5.00%
8 Month Special** - Open Now$5004.75%4.85%
9 Month - Open Now$5002.23%2.25%
12 Month - Open Now$5004.51%4.60%
18 Months$5003.69%3.75%
2 Years$5003.45%3.50%
* All rates and annual percentage yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal of principal. Cannot be combined with any other offers.
**4-month and 8-month CDs are not available as IRAs. The 4-month CD is available to only to consumer clients.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Business Account Rates

Money Market

Rates effective June 16th, 2024
Positively Different Business Money Market
With a daily balance ofWhat you get
Interest RateAPY*
$0.01 - 24,999.991.98%2.00%
$25,000 - 99,999.991.98%2.00%
$100,000 - 249,999.992.23%2.25%
$250,000 - 499,999.992.47%2.50%
$500,000 - 999,999.992.72%2.75%
$1,000,000 & up2.96%3.00%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Non Profit Money Market

Rates effective June 16th, 2024
Non Profit Money Market
With a daily balance ofWhat you get
Interest RateAPY*
$0.01 - 24,999.993.45%3.50%
$25,000 - 99,999.993.45%3.50%
$100,000 - 249,999.993.45%3.50%
$250,000 - 499,999.993.45%3.50%
$500,000 - 999,999.993.45%3.50%
$1,000,000 & up3.45%3.50%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $10,000 required to open account.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Business Checking

Rates effective June 16th, 2024
Positively Business Interest Checking
With a daily balance ofWhat you get
Interest RateAPY*
At least $0.010.10%0.10%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Business Savings

Rates effective June 16th, 2024
Positively Different Business Savings
With a daily balance ofWhat you get
Interest RateAPY*
At least $0.010.10%0.10%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Mortgage Rates

Home Equity Loans & Lines of Credit

Rates effective June 16th, 2024
Home Equity Loan - 20 Year Fixed Rate
RatePointsAPRLock PeriodPayment per Thousand
9.500%09.468%50 Days$9.16
Home Equity Loan - 15 Year Fixed Rate
RatePointsAPRLock PeriodPayment per Thousand
9.250%09.259%50 Days$10.14
Home Equity Line of Credit (HELOC)
APRAPR (w/ Auto Pay)Lock PeriodComments/Conditions
9.000%
Prime + .50%
8.500%
Prime + 0.0%
55 DaysNo minimum draw required at closing. APR subject to Prime rate. See important disclosures and assumptions

See Important Disclosures, Assumptions and APR Information

Contact a Lender Today

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Consumer Loan Rates

Personal Loans

Rates effective June 16th, 2024
Personal Loans
AmountAnnual Percentage Rate (APR)*TermPayment Per ThousandAPR with AutoPayPayment Per Thousand with AutoPay
Under $5,00015.00%12 months$90.2614.50%$90.02
15.00%48 months$27.8314.50%$27.58
$5,000 and over16.00%12 months$90.7315.50%$90.49
16.00%48 months$28.3415.50%$28.08
*The Personal Loans rates are subject to change without notice

Time Notes

Rates effective June 16th, 2024
Time Notes
AmountAnnual Percentage Rate (APR)*TermPayment Per Thousand
$500 - $20,00015.00%90 days$341.70
16.00%180 days$174.53
*The Time Notes rates are subject to change without notice