Consumer Products and Services

Products and Interest Rates as of September 25, 2023

All rates and product features are subject to change without notice.

Annual Percentage Yield (APY) is listed for all interest bearing accounts.

Transactional Accounts

FREEdom Personal Checking ¹

$500 initial deposit to open the account
No minimum balance requirement
Unlimited check writing
No monthly maintenance fees
Free ATM/Debit card - no annual fee, no usage fee (ATM surcharges imposed by other ATM owners may apply)
Monthly imaged statement

Platinum NOW Checking ^{1, 2, 3}

$500 initial deposit to open the account
No monthly fee with $500 minimum average daily balance
Unlimited check writing
Free ATM/Debit card - no annual fee, no usage fee (ATM surcharges imposed by other ATM owners may apply)
APY of 0.75% Interest Rate of 0.74% (Minimum daily balance requirement of $500 or more)
Monthly imaged statement

Golden Eagle NOW Checking ^{1, 2}

$500 initial deposit to open the account
No minimum balance requirement
Unlimited check writing
No monthly maintenance fees
Other services at discounted prices
Free ATM/Debit card - no annual fee, no usage fee (ATM surcharges imposed by other ATM owners may apply)
APY of 1.00% Interest Rate of 0.99%
Account owner must be 55 yrs or older
Monthly imaged statement

Platinum Money Market ^{1, 2, 3}

$1,000 initial deposit to open the account
$1,000 minimum average daily balance to avoid a fee and $1,000 minimum daily balance to obtain the Annual Percentage Yield (APY)
Monthly imaged statement

AMOUNT	APY	Interest Rate
$1,000 - $14,999	1.50%	1.49%
$15,000 - $49,999	2.50%	2.47%
$50,000 - $99,999	4.00%	3.92%
$100,000 - $499,999	4.75%	4.65%
$500,000+	5.25%	5.13% (on whole balance)

Time Deposits

EagleSavers ^{1, 2}

$1 initial deposit to open the account
$1 minimum balance, no minimum balance service charge
Account owner must be age 17 or under with parent or guardian co-signer
Quarterly truncated statement

AMOUNT	APY	Interest Rate
$1 - $9,999.99	1.00%	1.00%
$10,000+	0.75%	0.74% (on balance over $10,000)

Statement Savings ^{1, 2, 3}

$200 initial deposit to open the account
$200 minimum average daily balance avoid a fee and $200 daily balance to obtain the APY
Quarterly truncated statement
APY of 0.75% Interest Rate of 0.74%

CDs/IRAs

$1,000 minimum balance to open and obtain the Annual Percentage Yield (APY) ‐ except for Education IRAs.($500 min.) Early withdrawal penalty: 90 days simple interest on the amount withdrawn for CDs of 12 months or less, 180 days simple interest on the amount withdrawn for CDs greater than 12 months term.

Call us for Rates & Terms

TERM	BALANCE $5,000 OR MORE STANDARD APY	BALANCE UNDER $5,000 STANDARD APY
6 Months ⁴	5.50%	5.30%
12 Months	5.25%	5.05%
24 Months	4.95%	4.75%
36 Months	4.50%	4.30%
48 Months	3.75%	3.55%
60 Months	3.25%	3.05%

View Our Current Promotions

¹ Contact us for further information about applicable fees and terms.
² Variable rate account interest rates are determined at the bank's discretion and subject to change at any time.
³ Accounts with a minimum balance requirement will be assessed a fee of $10.00 if the balance in that account falls below the minimum balance.
⁴ 6 Months CD automatically renews at a 12 months term. Interest rate of 5.23% for 6 Months CD with a balance under $5,000. Interest rate of 5.42% for 6 Months CD with a balance of $5,000 or more.

Consumer Products and Services

Transactional Accounts

FREEdom Personal Checking 1

Platinum NOW Checking 1, 2, 3

Golden Eagle NOW Checking 1, 2

Platinum Money Market 1, 2, 3