Personal Banking

Certificates of Deposit

If you can spare access to your cash for at least a few months, our Certificates of Deposit (CDs) could be an effective way to earn interest at rates higher than normal savings accounts. You choose a term ranging from three months to six years, and a fixed or variable interest rate then sit back and let your money go to work for you.

Visa® Debit Card

For those who want a cashless, paperless option, choose our Visa® debit card tied directly to your CheckSmart™ account.

Digital Wallet

Digital Wallet provides a secure payment method that eliminates the need to carry cash, cards or checks. A simple tap or wave of your phone to a compatible checkout register enables you to pay instantly.

*The Annual Percentage Yield (APY) is accurate as of 11/12/2019 and is subject to change without notice. To obtain the disclosed 2.00% APY and receive ATM-fee refunds, up to $15 per month, reward requirements must be met (see below).  For balances over $25,000, when you meet the same requirements, you will earn 2.00%-0.50% APY, depending on the balance in the account.  This is a blended APY and includes the balance in both tiers, each of which earns a different rate.  Higher balances will produce lower APYs.  When the requirements are not met the account will earn 0.10% APY for the entire balance. Minimum opening balance of $100. The rate may change after the account is opened. Reward Requirements: Enroll in eStatements, log in to online banking at least once every 18 months, conduct at least one ACH transaction each calendar month, and use your Visa® debit card at least 12 times per calendar month for Point-of-sale transactions of at least $3 each. Transactions must post and clear by the last business day of the calendar month to qualify.

Visa®, the name Visa and VISA (stylized) are federally registered trademarks of Visa. 

Limit of two boxes of checks per year.

If the minimum daily balance is not met, there is a monthly fee of $3.

§ Contingent on the funds remaining in the certificate for the full length of the term.

|| Consult your tax advisor for details on tax benefits. Funds not used by the time your child is 30 may be subject to a taxes.

Subject to credit approval.

** The Visa® Platinum Low Rate credit card is a variable rate account.  The rate currently in effect is 12.75% APR.  A balance transfer fee equal to the greater of $5 or 3% of the amount transferred applies to balance transfers.  A cash advance fee equal to the greater of $10 or 4% of the amount advanced applies to cash advances. A foreign currency transaction fee of 2% applies to foreign currency transactions. If you are charged interest, the charge will be no less than $1.00.

‡Certain withdraw limits apply.

§§Balances and information in online banking reflect the most current information known to the Bank.  For example, debits or credits not yet presented to the Bank would not be reflected in online banking.

Apple, Apple Pay, the Apple logo, iPhone and iPad are trademarks or service marks of Apple Inc., and registered in the U.S. and other countries.  iTunes is a federally registered trademark of Apple Computer, Inc. registered in the U.S. and other countries. Google Pay is a federally registered trademark or service mark of Google LLC. Samsung and Samsung Pay are federally registered trademarks or service marks of Samsung Electronics Co., Ltd. and registered in the U.S. and other countries.  Android is a federally registered trademark or service mark of Google LLC.