These interest rates can change on Tuesday of each week.
Minimum deposit is $1,000.


CD and IRA* Interest Rates
Term
Interest Rate (%)
APY* (%)
APY* (%) on Bonus
7-31 days
.10
.10
.20
3 month
.25
.25
.35
6 month
.35
.35
.45
7 month
.40
.40
.50
1 year
.50
.50
.60
13 month
.65
.65
.75
18 month
.75
.75
no bonus
2 year
.75
.75
no bonus
3 year
.75
.75
no bonus
23 month
.85
.85
.95
5 year
.75
.75
no bonus
* IRA minimum deposit is $250. IRAs can be written for 3 month through 5 year terms. Substantial penalty fee for early withdrawal.
1 APY denotes Annual Percentage Yield.
2 A bonus of 0.10% given on deposits of $50,000 and over. Bonuses are also given based on the average collected balance maintained in checking and savings accounts.

Rates are subject to change on Tuesday of each week.
Fees could reduce the APY.


Checking and Savings Interest Rates
Account
Interest Rate (%)
APY* (%)
Minimum balance to receive
Regular Savings
0.05
0.05
$25
NOW Account
0.05
0.05
$1,000
Top 50 Checking
0.05
0.05
$1,000
High Yield
0.05
0.05
$2,500
21st Century Money Market
0.50
0.50
$5,000
21st Century Unlimited Checking
0.25
0.25
$5,000
Christmas Club
0.05
0.05
none
1 APY denotes Annual Percentage Yield.

Rates are subject to change on Tuesday of each week.
Fees could reduce the APY.