These interest rates and annual percentage yields (APY) are effective as of January 14, 2022, and are subject to change.
| Account |
Interest Rate |
APY¹ |
Interest Compounded |
| Savings |
0.05% |
0.05% |
Daily |
| Health Savings Account (HSA) |
0.05% |
0.05% |
Quarterly |
| Coverdell Education Variable |
0.05% |
0.05% |
Quarterly |
| IRA Variable Traditional/Roth |
0.55% |
0.55% |
Quarterly |
| IRA Fixed Traditional/Roth 18/30 Month |
0.45% |
0.45% |
Quarterly |
| IRA Fixed Traditional/Roth 36 Month |
0.70% |
0.70% |
Quarterly |
| IRA Fixed Traditional/Roth 60 Month |
0.95% |
0.95% |
Quarterly |
Savings, Health Savings Account and the Variable accounts are all “Variable Rate Accounts”. The interest rate and APY may change after the account is opened.
Ask our personal bankers about our Moneybuilder Savings account for children.
Loyalty Checking
| Range Amount |
Interest Rate |
APY* |
| $1,500 - $ 7,499.99 |
0.03% |
0.03% |
| $7,500 - and above |
0.03% |
0.03% |
Interest Checking
| Range Amount |
Interest Rate |
APY* |
| $1,500 - $ 7,499.99 |
0.03% |
0.03% |
| $7,500 - $49,999.99 |
0.03% |
0.03% |
| $50,000 - $99,999.99 |
0.03% |
0.03% |
| $100,000 - and above |
0.03% |
0.03% |
HSA Checking
| Range Amount |
Interest Rage |
APY* |
| $.01 and above |
0.03% |
0.03% |
Commercial Checking
| Range Amount |
Interest Rate |
APY* |
| $0 - $ 7,499.99 |
0.03% |
0.03% |
| $7,500 - $49,999.99 |
0.03% |
0.03% |
| $50,000 - $99,999.99 |
0.03% |
0.03% |
| $100,000 - and above |
0.03% |
0.03% |
IRMA - (Insured Rate Market Account)
| Range Amount |
Interest Rate |
APY* |
| $1,500 - $ 7,499.99 |
0.03% |
0.03% |
| $7,500 - $49,999.99 |
0.03% |
0.03% |
| $50,000 - $99,999.99 |
0.03% |
0.03% |
| $100,000 -and above |
0.03% |
0.03% |
Loyalty, Interest Checking, HSA Checking, Commercial Checking and IRMA accounts are “Variable Rate Accounts”. The interest rate and APY may change after the account is opened. The interest on these accounts is compounded daily. The Loyalty, Interest Checking, HSA Checking, Commercial Checking, IRMA and Savings accounts may be subject to fees that will reduce earnings.
For current interest rate and annual percentage yield information, call 641-456-4793 or toll free 888-456-4793.
