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Rates

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ates

Certificates of Deposit Special

Term Minimum Required Minimum Balance to Obtain APY Interest Rate APY*
6 Month $500 $500 4.121% 4.20%
13 Month $500 $500 3.735% 3.80%
24 Month $500 $500 3.445% 3.50%
60 Month $500 $500 3.929% 4.00%



Certificates of Deposit

Term Minimum Required Minimum Balance to Obtain APY Interest Rate APY*
31 Day $500 $500 0.45% 0.45%
91 Day $500 $500 0.65% 0.65%
6 Month $500 $500 0.65% 0.65%
9 Month $500 $500 0.70% 0.70%
1 Year $500 $500 1.00% 1.00%
1 1/2 Year $500 $500 1.00% 1.00%
2 Year $500 $500 1.00% 1.00%
2 1/2 Year $500 $500 1.00% 1.00%
3 Year $500 $500 1.00% 1.00%
4 Year $500 $500 1.193% 1.20%
5 Year $500 $500 1.391% 1.40%
* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of July 2, 2025. 
 
 
 
Interest Bearing Checking

Account Type Amount Minimum Required Minimum Balance to Obtain APY Interest Rate APY*
Elite Checking *** $0.00 - $25,000 $0.00 $0 4.00% 4.00%
Benefits Plus Checking N/A $2,500.00 $2,500 0.10% 0.10%
Small Business Checking N/A $0.00 $1,000.00 1.982% 2.00%
Business Plus Checking N/A $0.00 $5,000.00 0.15% 0.15%
* Annual Percentage Yield
** Rates are subject to change without notice. Fees could reduce earnings.
*** Additional criteria must be met to receive stated rate for Elite Checking. If Balance exceeds $25,000, rate will revert to 0.05% APY.
Rates Effective as of July 2, 2025. 
 
 
 
Health Savings Account

Amount Minimum Balance to Obtain APY Interest Rate APY*
$0.00 - $4,999.99 $0.00 0.996% 1.00%
$5,000.00 - $14,999.99 $5,000.00 1.981% 2.00%
$15,000.00 + $15,000.00 2.959% 3.00%
* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of July 2, 2025. 



Savings Accounts

Account Type Minimum Required Minimum Balance to Obtain APY Interest Rate APY*
Statement Savings ** $50.00 N/A 0.12% 0.12%
Golden Passbook *** $1,000.00 $1,000.00 1.00% 1.00%
* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
*** Penalty for early withdrawal. Rates are subject to change quarterly. Fees could reduce earnings.
Rates Effective as of July 2, 2025. 

 
Safe Money Market Tiered Rates
 
Amount Minimum Balance to Obtain APY Interest Rate APY*
$1,000 - $9,999 $1,000 0.10% 0.10%
$10,000 - 24,999 $10,000 0.15% 0.15%
$25,000 - 49,999 $25,000 0.15% 0.15%
$50,000 - 99,999 $50,000 0.20% 0.20%
$100,000 + $100,000 0.25% 0.25%
* Annual Percentage Yield
** Interest rate subject to change without notice. If Balance falls below $1000.00, a service charge will be applied.
Rates Effective as of July 2, 2025. 
 

 
 
Platinum Market Tiered Rates
 
Amount Minimum Balance to Obtain APY Interest Rate APY*
$1,000 - $24,999 $1,000 0.10% 0.10%
$25,000 - 49,999 $25,000 0.15% 0.15%
$50,000 - 249,999 $50,000 0.35% 0.35%
$250,000 + $250,000 0.40% 0.40%
* Annual Percentage Yield
** Interest rate subject to change without notice. If Balance falls below $1000.00, a service charge will be applied.
Rates Effective as of July 2, 2025. 

 
 
Executive Market Tiered Rates
 
Amount Minimum Balance to Obtain APY Interest Rate APY*
$25,000 - 49,999 $25,000 2.183% 2.20%
$50,000 - 249,999.99 $50,000 3.159% 3.20%
$250,000 + $250,000 3.886% 3.95%
* Annual Percentage Yield
** Interest rate subject to change without notice. If Balance falls below $25,000, a service charge will be applied.
Rates Effective as of July 2, 2025. 
 
 
 
Individual Retirement Accounts

Account Type Minimum Balance to Obtain APY Length Interest Rate APY*
Fixed Rate IRA $500 1 & 2 Years 1.40% 1.40%
Variable Rate IRA $500 1 Year 1.40% 1.40%

* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Rates Effective as of July 2, 2025. 
 

Fixed Rate Mortgages

Mortgage Term Interest Rate APR* Monthly Payment
15 Year Fixed 6.125% 6.198% $1275.94
20 Year Fixed
6.750%
 6.809%
$1140.55
30 Year Fixed 6.500%
 6.545%
$948.10

The rates in this table are indicative only.  Your rate is subject to market fluctuations until it is locked.  Rates are subject to change without notice.

*APR= Annual Percentage Rate

**Payment and APR are based on $150,000 loan amount with 80% loan to value.  Your actual rate, payment, and costs may be higher.  Payments do not include taxes and insurance.  Actual payments will be higher.  Get an official Loan Estimate before choosing a loan.  Fixed rates are available Monday through Friday 9:00 a.m. to 3:00 p.m. CST, except for certain federal and bond market holidays.  For all loan rates and closing costs estimates, please contact a Mortgage Lender.

Subject to credit approval.
 

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