Deposit Rates

Current Rates

Rates Effective as of December 12, 2018

 

Checking
Account Type Rate *APY Min Balance to Earn APY

First Club

(50 years of age or better and $5,000 in combined account balances)

 

0.03% 0.03% $0.01 - $999.99
0.05% 0.05% $1,000 - $2,499.99
0.08% 0.08% $2,500 - $4,999.99
0.10% 0.10% $5,000.00 and up
Super Now/ Business Super Now/ Senior Citizen (62 years or better) 0.05% 0.05% $1,000 - $2,499.99
0.08% 0.08% $2,500 - $4,999.99
0.10% 0.10% $5,000.00 and up
Health Savings Account 0.50% 0.50% $ .01 - $999.99
0.70% 0.70% $1,000 2,499.99
0.90% 0.90% $2,500.00 and up

Super Now and Senior Citizen Checking Accounts with balances under $1,000 do not earn interest. Rates are variable and subject to change. Fees could reduce earnings.

APY = Annual Percentage Yield

 

 

Savings
Account Type Rate *APY Min. Balance to Earn APY

Regular Savings/

Kid's Klub Savings/

Business Savings/

Christmas Savings

 

 

0.05% 0.05% $0.01 - $999.99
0.10% 0.10% $1,000.00 - $2,499.99
0.12% 0.12% $2,500.00 - $4,999.99
0.15% 0.15% $5,000.00 and up

*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded quarterly. Christmas Club accounts are not compounded, interest earned is credited when your check is issued in October. Rates are variable and subject to change. Fees could reduce earnings.

APY = Annual Percentage Yield

 

Money Market
Account Type Rate *APY Min. Balance to Earn APY
Money Market 0.10% 0.10% $1,000 - $2,499.99
0.12% 0.12% $2,500 - $4,999.99
0.15% 0.15% $5,000.00 and up
Premier Money Market 0.15% 0.15% $1,000 - $9,999.99
0.34% 0.34% $10,000 - $24,999.99
0.44% 0.44% $25000 - $49,999.99
0.60% 0.60% $50,000 and up

Emerald Advantage Money Market

(Customers with a GWB checking account receive an additional 1/4%)

0.15% 0.15% $1000 - $9,999.99
0.34% 0.34% $10,000 - $24,999.99
0.44% 0.44% $25,000 - $49,999.99
0.60% 0.60% $50,000 and up

*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded monthly. Money Market Accounts with balances below $1,000 do not earn interest.  Rates are variable and subject to change.  Fees could reduce earnings.

APY = Annual Percentage Yield

 

CD's/IRA's
Account Type Rate *APY Minimum Deposit
3 Month 0.40% 0.40% $2,500
6 Month 0.90% 0.90% $2,500
1 Year 1.60% 1.61% $2,500
14 Month Triple Option 1.40% 1.41% $5,000
18 Month Option 1.80% 1.81% $1,000
18 Month Variable (IRA) 1.65% 1.66% $500
2 Year 1.95% 1.96% $1,000
28 Month Triple Option 1.75% 1.76% $5,000
36 Month Option 2.05% 2.05% $1,000
36 Month Triple Option 2.00% 2.02% $5,000
3 Year 2.25% 2.27% $1,000
4 Year 2.50% 2.52% $1,000
5 Year 2.70% 2.73% $1,000
12 Month Kid's Klub CD 1.70% 1.71% $500

*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded quarterly unless otherwise stated at account opening. Substantial penalty for early withdrawal. Rates are subject to change without notice at our discretion.

APY = Annual Percentage Yield