Checking Accounts
No Frills Checking - Personal
Balance Requirement to Obtain APY  |
None |
| Interest Rate |
N/A |
| Annual Percentage Yield (APY) |
N/A |
| Balance Requirement to Avoid Service Charges |
None |
| Monthly Service Charge |
None |
Interest Checking - Sole Proprietorships
| Balance Requirement to Obtain APY |
Daily balance $1,000+ |
| Interest Rate |
.10% |
| Annual Percentage Yield (APY) |
.10% |
| Balance Requirement to Avoid Service Charges |
Average balance $1,000 |
| Monthly Service Charge |
$10.00 |
Kasasa Cash® Checking
| Balance Requirement to Obtain APY |
Up to $15,000 receive |
| Interest Rate |
1.00% |
| Annual Percentage Yield (APY) |
1.00% |
| Balance Requirement to Avoid Service Charges |
None |
| Monthly Service Charge |
None |
Free Business Checking**
| Balance Requirement to Obtain APY |
N/A |
| Interest Rate |
N/A |
| Annual Percentage Yield (APY) |
N/A |
| Balance Requirement to Avoid Service Charges |
N/A – activity limits |
| Monthly Service Charge |
Local Promise Checking For Non-Profits: $1,000-$9,999
| Balance Requirement to Obtain APY |
$1,000-$9,999 |
| Interest Rate |
0.55% |
| Annual Percentage Yield (APY) |
0.55% |
| Balance Requirement to Avoid Service Charges |
N/A |
| Monthly Service Charge |
Local Promise Checking For Non-Profits: $10,000-$99,999
| Balance Requirement to Obtain APY |
$10,000-$99,999 |
| Interest Rate |
0.75% |
| Annual Percentage Yield (APY) |
0.75% |
| Balance Requirement to Avoid Service Charges |
N/A |
| Monthly Service Charge |
Local Promise Checking For Non-Profits: $100,000-$249,999
| Balance Requirement to Obtain APY |
$100,000-$249,999 |
| Interest Rate |
0.95% |
| Annual Percentage Yield (APY) |
0.95% |
| Balance Requirement to Avoid Service Charges |
N/A |
| Monthly Service Charge |
Local Promise Checking For Non-Profits: $250,000+
| Balance Requirement to Obtain APY |
$250,000+ |
| Interest Rate |
1.10% |
| Annual Percentage Yield (APY) |
1.10% |
| Balance Requirement to Avoid Service Charges |
N/A |
| Monthly Service Charge |
Commercial Checking
| Balance Requirement to Obtain APY |
N/A |
| Interest Rate |
N/A |
| Annual Percentage Yield (APY) |
N/A |
| Balance Requirement to Avoid Service Charges |
Activity and balances are analyzed |
| Monthly Service Charge |
| Account Type | Balance Requirement to Obtain APY | Interest Rate | Annual Percentage Yield (APY) | Balance Requirement to Avoid Service Charges | Monthly Service Charge |
|---|---|---|---|---|---|
| Account Type | Balance Requirement to Obtain APY | Interest Rate | Annual Percentage Yield (APY) | Balance Requirement to Avoid Service Charges | Monthly Service Charge |
| No Frills Checking – Personal | None | N/A | N/A | None | None |
| Interest Checking – Sole Proprietorships | Daily balance $1,000+ | .10% | .10% | Average balance $1,000 | $10.00 |
| Kasasa Cash® Checking | Up to $15,000 receive | 1.00% | 1.00% | None | None |
| Qualifications not met during cycle; all balances | .03% | .03% | None | None | |
| Free Business Checking** | N/A | N/A | N/A | N/A – activity limits | |
| Local Promise Checking For Non-Profits | $24,999 and below | 0.55% | 0.55% | N/A | |
| $25,000-$99,999 | 0.75% | 0.75% | N/A | ||
| $100,000-$499,999 | 0.95% | 0.95% | N/A | ||
| $500,000+ | 1.10% | 1.10% | N/A | ||
| Commercial Checking | N/A | N/A | N/A | Activity and balances are analyzed |
Rates effective as of: February 1, 2023
* Balances over $15,000 earn .10% interest rate on the portion of the balance over $15,000, resulting in range from 1.00% to 0.22% APY depending on the account’s balance.
Interest eligibility qualifications during each qualification cycle:
- Have at least 12 debit card purchases
- At least one ACH auto-debit/credit or direct deposit
- Be enrolled in and agree to receive e-Statements (setup in Netteller online banking)
**Limited activity – 1,000 total transactions including checks paid, deposits, deposited items.
Rates are subject to change after the account is opened.
Fees may reduce earnings on interest bearing accounts.
Savings Accounts
Savings over $3,500
| Balance Requirement to Obtain APY |
Over $3,500 |
| Interest Rate |
.15% |
| Annual Percentage Yield (APY) |
1.25% - .18% |
| Balance Requirement to Avoid Service Charges |
None |
| Monthly Service Charge |
N/A |
Treehouse Savings Club: Age 6-18
| Balance Requirement to Obtain APY |
$5 – $5,000 |
| Interest Rate |
.50% |
| Annual Percentage Yield (APY) |
.50% |
| Balance Requirement to Avoid Service Charges |
None; $5 to open |
| Monthly Service Charge |
N/A |
Kasasa Saver®*** Checking: Up to $85,000
| Balance Requirement to Obtain APY |
Up to $85,000 |
| Interest Rate |
.25% |
| Annual Percentage Yield (APY) |
.25% |
| Balance Requirement to Avoid Service Charges |
None |
| Monthly Service Charge |
N/A |
Kasasa Saver®*** Checking: Over $85,000
| Balance Requirement to Obtain APY |
Over $85,000 |
| Interest Rate |
.10% |
| Annual Percentage Yield (APY) |
.10% |
| Balance Requirement to Avoid Service Charges |
None |
| Monthly Service Charge |
N/A |
Premium Savings: Up to $9,999
| Balance Requirement to Obtain APY |
Up to $9,999 |
| Interest Rate |
.15% |
| Annual Percentage Yield (APY) |
.15% |
| Balance Requirement to Avoid Service Charges |
Quarterly average $100 |
| Monthly Service Charge |
$10/qtr. |
Premium Savings: $10,000 - $24,999
| Balance Requirement to Obtain APY |
$10,000 – $24,999 |
| Interest Rate |
.15% |
| Annual Percentage Yield (APY) |
.15% |
| Balance Requirement to Avoid Service Charges |
Quarterly average $100 |
| Monthly Service Charge |
$10/qtr. |
Premium Savings: $25,000 - $49,999
| Balance Requirement to Obtain APY |
$25,000 – $49,999 |
| Interest Rate |
.15% |
| Annual Percentage Yield (APY) |
.15% |
| Balance Requirement to Avoid Service Charges |
Quarterly average $100 |
| Monthly Service Charge |
$10/qtr. |
Premium Savings: $50,000 and Over
| Balance Requirement to Obtain APY |
$50,000 and Over |
| Interest Rate |
.15% |
| Annual Percentage Yield (APY) |
.15% |
| Balance Requirement to Avoid Service Charges |
Quarterly average $100 |
| Monthly Service Charge |
$10/qtr. |
F&M Money Market $0.00 - 999.99
| Balance Requirement to Obtain APY |
$10.00 |
| Interest Rate |
0.00% |
| Annual Percentage Yield (APY) |
0.00% |
| Balance Requirement to Avoid Service Charges |
Monthly average $1,000 |
| Monthly Service Charge |
$10/mo. |
F&M Money Market $1,000 - $749,999.99
| Balance Requirement to Obtain APY |
$10.00 |
| Interest Rate |
3.31% |
| Annual Percentage Yield (APY) |
3.31% |
| Balance Requirement to Avoid Service Charges |
Monthly average $1,000 |
| Monthly Service Charge |
$10/mo. |
F&M Money Market $750,000+
| Balance Requirement to Obtain APY |
$10.00 |
| Interest Rate |
3.75% |
| Annual Percentage Yield (APY) |
3.75% |
| Balance Requirement to Avoid Service Charges |
Monthly average $1,000 |
| Monthly Service Charge |
$10/mo. |
Christmas Club Savings
| Balance Requirement to Obtain APY |
Open until maturity |
| Interest Rate |
.15% |
| Annual Percentage Yield (APY) |
.15% |
| Balance Requirement to Avoid Service Charges |
Forfeit interest if cashed prior to maturity |
| Monthly Service Charge |
N/A |
| Account Type | Balance Requirement to Obtain APY | Interest Rate | Annual Percentage Yield (APY) | Balance Requirement to Avoid Service Charges | Monthly Service Charge |
|---|---|---|---|---|---|
| Account Type | Balance Requirement to Obtain APY | Interest Rate | Annual Percentage Yield (APY) | Balance Requirement to Avoid Service Charges | Monthly Service Charge |
| Treehouse Savings Club – Age 6-18 | $5 – $5,000 | .50% | .50% | None; $5 to open | N/A |
| Kasasa Saver®*** Checking | Up to $85,000 | .25% | .25% | None | N/A |
| Over $85,000 | .10% | .10% | None | N/A | |
| Premium Savings | Up to $9,999 | .15% | .15% | Quarterly average $100 | $10/qtr. |
| $10,000 – $24,999 | .15% | .15% | Quarterly average $100 | $10/qtr. | |
| $25,000 – 49,999 | .15% | .15% | Quarterly average $100 | $10/qtr. | |
| $50,000 and Over | .15% | .15% | Quarterly average $100 | $10/qtr. | |
| F&M Money Market $0.00 – $999.99 | $10.00 | – | – | Monthly average $1,000 | $10/mo. |
| F&M Money Market $1,000 – $749,999.99 | $10.00 | 3.31% | 3.31% | Monthly average $1,000 | $10/mo. |
| F&M Money Market $750,000.00+ | $10.00 | 3.75% | 3.75% | Monthly average $1,000 | $10/mo. |
| Christmas Club Savings | Open until maturity | .15% | .15% | Forfeit interest if cashed prior to maturity | N/A |
Rates effective as of: February 2, 2023
*** If tied to a Cash Reward or Cash Back checking account. Balances in your Kasasa Saver account up to $85,000 receive APY of .25%; and balances over $85,000 earn .10% interest rate on the portion of the balance over $85,000, resulting in range from 0.25% to 0.17% APY depending on the account’s balance.
Interest eligibility qualifications during each qualification cycle:
- At least 12 check card purchases
- At least 1 direct deposit or automatic payment (ACH)
- Be enrolled and agree to receive eStatements
See website for complete details.
Kasasa Cash information
Kasasa Cash Back information
****Limited check writing.
Rates are subject to change after the account is opened.
Fees may reduce earnings on the account.
Money Market Accounts: A $10.00 deposit is required to open this account. A monthly service fee of $10.00 will be imposed monthly on the statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00. Account restrictions apply, please see a bank service representative for details. Rates subject to change.
Certificates of Deposit
182 Day Term
| Minimum Deposit |
$1,000 |
| Interest Rate |
2.25% |
| Annual Percentage Yield (APY) |
2.26% |
12 Month Term
| Minimum Deposit |
$1,000 |
| Interest Rate |
3.00% |
| Annual Percentage Yield (APY) |
3.03% |
18 Month Variable*
| Minimum Deposit |
$1,000 |
| Interest Rate |
2.50% |
| Annual Percentage Yield (APY) |
2.52% |
18 Month Fixed*
| Minimum Deposit |
$1,000 |
| Interest Rate |
2.75% |
| Annual Percentage Yield (APY) |
2.78% |
24 Month Term
| Minimum Deposit |
$1,000 |
| Interest Rate |
4.25% |
| Annual Percentage Yield (APY) |
4.32% |
30 Month Term**
| Minimum Deposit |
$1,000 |
| Interest Rate |
2.25% |
| Annual Percentage Yield (APY) |
2.26% |
33 Month Term**
| Minimum Deposit |
$1,000 |
| Interest Rate |
2.00% |
| Annual Percentage Yield (APY) |
2.02% |
36 Month Term
| Minimum Deposit |
$1,000 |
| Interest Rate |
2.00% |
| Annual Percentage Yield (APY) |
2.02% |
48 Month Term
| Minimum Deposit |
$1,000 |
| Interest Rate |
1.85% |
| Annual Percentage Yield (APY) |
1.86% |
60 Month Term
| Minimum Deposit |
$1,000 |
| Interest Rate |
1.80% |
| Annual Percentage Yield (APY) |
1.81% |
| Term | Minimum Deposit | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Term | Minimum Deposit | Interest Rate | Annual Percentage Yield (APY) |
| 182 Days | $1,000 | 2.25% | 2.26% |
| 12 Month | $1,000 | 3.00% | 3.03% |
| 15 Month | $1,000 | 3.00% | 3.03% |
| 18 Month Variable* | $1,000 | 2.50% | 2.52% |
| 18 Month Fixed* | $1,000 | 2.75% | 2.78% |
| 24 Month | $1,000 | 4.25% | 4.32% |
| 30 Month** | $1,000 | 2.25% | 2.26% |
| 33 Month*** | $1,000 | 2.00% | 2.02% |
| 36 Month | $1,000 | 2.00% | 2.02% |
| 48 Month | $1,000 | 1.85% | 1.86% |
| 60 Month | $1,000 | 1.80% | 1.81% |
Rates effective as of: February 2, 2023
Penalty for early withdrawal. CDs with terms of 18 months or longer receive a .25% rate increase with accompanying checking account. *One penalty-free withdrawal allowed after 6 months. 18-month variable CD rate is only available for IRAs. **30 month certificate receives one penalty-free withdraw after 15 months. Subject to change. At maturity, this CD will convert to a regular 24-month certificate. ***Receives a .25% rate increase with accompanying checking account. Converts to 30-month certificate at maturity.
