Rates effective 12/20/24 unless otherwise noted.
Checking Accounts
Chairman’s Choice Checking Account
| Account Type | Interest Rate | APY |
|---|---|---|
| Premium Rate - $0 - $25,000 | 2.66% | 2.70% |
| Premium Rate - $25,001 & Over | 0.15% | 0.15% |
Traditional Interest Checking Accounts
| Account Type | Interest Rate | APY |
|---|---|---|
| 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 Type | Interest Rate | APY |
|---|---|---|
|
Premium Rate - $0 - $25,000
if Qualified (see account details)
|
2.66% | 2.70% |
|
Premium Rate -$25,001 & Over
if Qualified (see account details)
|
0.25% | 0.25% |
|
Standard Rate - Do not qualify
|
0.05% | 0.05% |
Savings Accounts
Savings Accounts
| Account Type | Interest Rate | APY |
|---|---|---|
| Statement Savings** | 0.25% | 0.25% |
| Health Savings Account** | 0.50% | 0.50% |
Club Accounts
Christmas Club
| Account Type | Interest Rate | APY |
|---|---|---|
| Coupon Book | 0.20% | 0.20% |
| Auto Transfer | 0.25% | 0.25% |
Kids Club
| Account Type | Interest Rate | APY |
|---|---|---|
| $0.00 - $5,000.00 | 4.50% | 4.60% |
| $5,000.01 & Over | 0.25% | 0.25% |
Vacation Club
| Account Type | Interest Rate | APY |
|---|---|---|
| Vacation Club | 0.25% | 0.25% |
Money Market Accounts
| Account Type | Interest Rate | APY |
|---|---|---|
| $1,000.00 - $49,999.99 | 0.50% | 0.50% |
| $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)
| Account Type | Interest Rate | APY |
|---|---|---|
| 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 | 3.59% | 3.66% |
| 30 Month Certificate | 3.54% | 3.60% |
| 36 Month Certificate | 3.49% | 3.55% |
| 48 Month Certificate | 3.25% | 3.30% |
| 60 Month Certificate | 3.05% | 3.10% |
Individual Retirement Accounts (IRAs)
| Account Type | Interest Rate | APY |
|---|---|---|
| 12 Month IRA | 3.59% | 3.66% |
| 18 Month IRA | 3.20% | 3.25% |
| 24 Month IRA | 3.59% | 3.66% |
| 30 Month IRA | 3.54% | 3.60% |
| 36 Month IRA | 3.49% | 3.55% |
| 48 Month IRA | 3.25% | 3.30% |
| 60 Month IRA | 3.20% | 3.25% |
| Variable Rate Savings IRA** | 1.24% | 1.25% |
IOLTA Accounts
| Account Type | Interest Rate | APY |
|---|---|---|
| IOLTA-TN ** | 0.25% | 0.25% |
| IOLTA-VA ** | 0.25% | 0.25% |
| IOLTA-WV ** | 0.25% | 0.25% |
** 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.
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.