| Health Savings Accounts |
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| Tax-favored accounts designed to help individuals who are covered by high deductible health plans pay medical expenses for themselves, their spouses, and their dependents. Checks and debit cards are available with a Health Savings Account (HSA). |
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| Tier Amount |
Interest
Rate |
APY |
| $0 to $999.99 |
0.50% |
0.50% |
| $1,000.00 to $4,999.99 |
1.49% |
1.50% |
| $5,000.00 to $9,999.99 |
2.47% |
2.50% |
| $10,000.00 and Higher |
3.45% |
3.50% |
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| Minimum opening balance $25.00. Monthly service fee $2.00. |
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| Money Market Deposit Account |
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Tier Amount |
Interest
Rate |
APY |
| HI-FI |
$0.00 to $9,999.99 |
1.00% |
1.00% |
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$10,000.00 to $24,999.99 |
1.74% |
1.75% |
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$25,000.00 to $49,999.99 |
1.88% |
1.90% |
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$50,000.00 to $499,999.99 |
2.03% |
2.05% |
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$500,000.00 and Higher |
2.18% |
2.20% |
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| Minimum opening balance on this account is $50.00. |
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| Certificate of Deposit |
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| Term |
Minimum |
Interest
Rate |
APY |
| 90 Day CD (interest paid at maturity) |
$500.00 |
1.40% |
1.41% |
| 6 Months |
$500.00 |
2.43% |
2.45% |
| 12 Months |
$1,000.00 |
2.72% |
2.75% |
| 18 Months |
$1,000.00 |
3.11% |
3.15% |
| 24 Months |
$1,000.00 |
3.11% |
3.15% |
| 30 Months |
$1,000.00 |
3.11% |
3.15% |
| 36 Months |
$1,000.00 |
3.60% |
3.65% |
| 48 Months |
$1,000.00 |
3.60% |
3.65% |
| 60 Months |
$1,000.00 |
3.11% |
3.15% |
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| Substantial Penalty for Early Withdrawal |
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| Variable Rate Retirement Account |
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Minimum |
Interest
Rate |
APY |
| Variable Rate Retirement Account |
$100.00 |
3.11% |
3.15% |
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| Additions may be made to the Retirement account in $100.00 increments. Rate is tied to the regular 60 month CD rate. Rate will change every January and July 1st. May take distributions any time during the year without forfeiture of interest. Anytime the account is closed out and customer is taking the lump sum or transferring it out of the bank, there is a termination fee of $23.40. |
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| Checking Accounts |
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Tier Amount |
Interest
Rate |
APY |
| GoldStar Checking |
$0 to $2,499.99 |
0.00% |
0.00% |
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$2,500.00 to $9,999.99 |
0.50% |
0.50% |
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$10,000.00 to $24,999.99 |
1.14% |
1.15% |
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$25,000.00 to $49,999.99 |
1.44% |
1.45% |
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$50,000.00 to $99,999.99 |
1.54% |
1.55% |
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$100,000.00 and Higher |
1.64% |
1.65% |
| Deluxe Club/Prestige 50 |
$1,000.00 and Higher |
0.25% |
0.25% |
| Business Interest Account |
$2,500.00 and Higher |
0.35% |
0.35% |
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Personal checking accounts require a minimum opening balance of $50.00.
Business checking accounts require a minimum opening balance of $100.00. |
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| Savings Accounts |
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Interest
Rate |
APY |
| Regular Savings |
0.30% |
0.30% |
| Moola Moola (Children through age 13) |
0.30% |
0.30% |
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| Savings Accounts require a minimum opening balance of $25.00. |
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| Christmas Club |
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Interest
Rate |
APY |
| Christmas Club |
0.30% |
0.30% |
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