Current Deposit Rates

Rates effective 12/20/24 unless otherwise noted.

Choose a Product Rate

Checking Accounts

Chairman’s Choice Checking Account

Account Type

Interest RateAPY

Premium Rate

    
$0 - $25,000 2.66% 2.70%
$25,001 & Over 0.15% 0.15%
Traditional Interest Checking Accounts
Account TypeInterest RateAPY
Peoples Checking** 0.05% 0.05%
Community Plus Checking** 0.07% 0.07%
New Freedom** 0.05% 0.05%
New Freedom Choice (High Interest Checking)
Account TypeInterest RateAPY
Premium Rate if Qualified (see account details)    
$0 - $25,000 2.66% 2.70%
$25,001 & Over 0.25% 0.25%
Standard Rate    
Do not qualify  0.05% 0.05%

Savings Accounts

Savings Accounts
Account TypeInterest RateAPY
Statement Savings** 0.25% 0.25%
Health Savings Account** 0.50% 0.50%

Club Accounts

Christmas Club
Account TypeInterest RateAPY
Coupon Book 0.20% 0.20%
Auto Transfer 0.25% 0.25%
Kids Club
Account TypeInterest RateAPY
$0.00 - $5,000.00 4.50% 4.60%
$5,000.01 & Over 0.25% 0.25%
 Vacation Club
Account TypeInterest RateAPY
Vacation Club 0.25% 0.25%

Money Market Accounts

Money Market Accounts
Account TypeInterest RateAPY
$1,000.00 - $49,999.99 0.50% .50%
$50,000.00 - $99,999.99 1.64% 1.65%
$100,000.00 - $249,999.99 1.64% 1.65%
$250,000.00 and Over 1.64% 1.65%

Certificates of Deposit (CDs)

Certificates of Deposit (CDs)
Account TypeInterest RateAPY
7-31 Day Certificate 2.47% 2.50%
32-181 Day Certificate 2.47% 2.50%
6 Month Certificate 2.47% 2.50%
12 Month Certificate 3.59%

3.66%
15 Month Certificate 3.05% 3.10%
15 Month Bump-Up CD 3.05% 3.10%
18 Month Certificate 3.05% 3.10%
24 Month Certificate 3.05% 3.10%
30 Month Certificate 3.20% 3.25%
36 Month Certificate 3.05% 3.10%
48 Month Certificate 3.05% 3.10%
60 Month Certificate 3.05% 3.10%

Individual Retirement Accounts (IRAs)

Individual Retirement Accounts (IRAs)
Account TypeInterest RateAPY
12 Month IRA 3.59% 3.66%
18 Month IRA 3.20% 3.25%
24 Month IRA 3.20% 3.25%
30 Month IRA 3.20% 3.25%
36 Month IRA 3.20% 3.25%
48 Month IRA 3.20% 3.25%
60 Month IRA 3.20% 3.25%
Variable Rate Savings IRA** 1.24% 1.25%

IOLTA Accounts

Interest on Lawyer Trust Accounts
Account TypeInterest RateAPY
IOLTA-TN ** 0.25% 0.25%
IOLTA-VA ** 0.25% 0.25%
IOLTA-WV ** 0.25% 0.25%

Rates effective 11/8/24 unless otherwise noted.

** Variable Rate Account - Rates may change after accounts are opened. Note regarding CDs:
1. Fees and withdrawals could reduce the earnings on accounts.
2. A penalty may be imposed for early withdrawal.
3. CD interest will be compounded daily.
*APY = Annual Percentage Yield. Our rates are updated weekly.