Current Rates

Deposit Rates

RATES CURRENT AS OF 2-21-2018

First Rate Checking Account**
Minimum Available Balance Requirement

Interest Rate

APY*

Minimum Deposit to Open Account

$0 to $24,999.99

2.48%***

2.50%

$100.00

$25,000 & over

0.35%***

0.35%

$100.00

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NOW Account** - Consumer or Business
Minimum Available Balance Requirement

Interest Rate

APY*

Minimum Deposit to Open Account

$0 to $999.99

0.05%

0.05%

$1,000.00

$1,000.00 to $1999.99

0.05%

0.05%

$1,000.00

$2,000.00 & over

0.05%

0.05%

$1,000.00

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NOW Accounts not eligible for Corporations, Limited Liability Partnerships, Associations, Business Trusts, Mutual Insurance Company, Legal Services Plan, Partnership, Limited Liability Company (includes single member LLCs), Credit Unions, Crop Financing Organizations or Farmers' Cooperative (not an all inclusive list)

Business Regular**
Minimum Available Balance Requirement

Interest Rate

APY*

Minimum Deposit to Open Account

$0 to $999.99

0.05%

0.05%

$100.00

$1,000 to $1,999.99

0.05%

0.05%

$100.00

$2,000.00 & over

0.05%

0.05%

$100.00

Good Timers**
Minimum Available Balance Requirement

Interest Rate

APY*

Minimum Deposit to Open Account

$0 to $4,999.99

0.05%

0.05%

$500.00

$5,000.00 to $9,999.99

0.05%

0.05%

$500.00

$10,000.00 to $29,999.99

0.05%

0.05%

$500.00

$30,000.00 to $49,999.99

0.10%

0.10%

$500.00

$50,000.00 to $99,999.99

0.10%

0.10%

$500.00

$100,000.00 & over

0.15%

0.15%

$500.00

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First Rate Savings**
Minimum Available Balance Requirement

Interest Rate

APY*

Minimum Deposit to Open Account

No minimum balance requirement

1.25%****

1.25%

$100.00

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Money Market Account** - Consumer or Business
Minimum Available Balance Requirement

Interest Rate

APY*

Minimum Deposit to Open Account

$0 to $4,999.99

0.10%

0.10%

$2,500.00

$5,000.00 to $49,999.99

0.10%

0.10%

$2,500.00

$50,000.00 to $99,999.99

0.10%

0.10%

$2,500.00

$100,000.00 to $249,999.99

0.15%

0.15%

$2,500.00

$250,000 & over

0.15%

0.15%

$2,500.00

Apply Now

Savings** - Consumer or Business
Minimum Available Balance Requirement

Interest Rate

APY*

Minimum Deposit to Open Account

$0 to $74,999.99

0.10%

0.10%

$100.00

$75,000.00 & over

0.10%

0.10%

$100.00

Apply Now

HSA Accounts**
Minimum Available Balance Requirement

Interest Rate

APY*

Minimum Deposit to Open Account

$0 to $999.99

0.05%

0.05%

$100.00

$1,000.00 to $4,999.99

0.30%

0.30%

$100.00

$5,000.00 & over

0.50%

0.50%

$100.00

Variable Rate IRA**
Minimum Available Balance Requirement

Interest Rate

APY*

Minimum Deposit to Open Account

No minimum balance requirement

0.40%

0.40%

$100.00

*APY = Annual Percentage Yield

**Rates may change after the account is opened. Fees may reduce earnings.

***Must meet all 5 requirements per statement cycle to receive full interest: Access internet banking, receive electronic statements, minimum of one on-line bill payment, minimum of 1 automatic debit or direct deposit, & minimum of 12 Visa Debit Card transactions of $5 or more.  Limit of one First Rate Checking account per customer. Rate when requirements are not met is .05%. ATM foreign fees are refunded up to $25 when requirements are met. ATM surcharges still apply

****Requirements include a $100 minimum deposit, the account must be opened online and enrolled in eStatements. Rate when requirements are not met is .05%.

Certificates of Deposit

RATES CURRENT AS OF 2-21-2018

CD Term**Interest RateAPY*Interest RateAPY*Interest RateAPY* 
 

Minimum $500

$5,000 & Above 

 $50,000 & Above 

1 Month

-

-

-

-

0.10%

0.10%

2 Months

- -

-

-

0.10%

 0.10%

3 Months

0.05%

0.05%

0.10%

0.10%

 -

6 Months

0.05%

0.05%

0.30%

0.30%

 -

 -

12 Months

0.05%

0.05%

0.50%

0.50%

 -

 -

18 Months

0.30%

0.30%

0.75%

0.75%

 -

 -

24 Months

0.35%

0.35%

0.70%

0.70%

 -

 -

30 Months

0.35%

0.35%

0.70%

0.70%

 -

 -

36 Months

0.35%

0.35%

1.20%

1.20%

 -

 -

48 Months

0.75%

0.75%

1.39%

1.40%

 -

 -

60 Months

0.75%

0.75%

2.23%

2.25%

 -

 -

*APY = Annual Percentage Yield

**A penalty will or may be imposed for early withdrawal.

Contact us if you have any questions regarding current rates at (877) 303-9737.