Rates
All Quoted Rates Good through November 20, 2024.
Certificates of Deposit
Substantial penalty for early withdrawal. 30 Month "Bump-Up" CD has a one time interest increase until maturity.
| Certificates of Deposit | Account Opening Minimum Balance | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| 6 Month | $1,000 | 4.52% | 4.60% | Quarterly |
| 9 Month | $10,000 | 1.60% | 1.61% | Quarterly |
| 12 Month | $1,000 | 1.70% | 1.71% | Quarterly |
| 18 Month | $10,000 | 1.75% | 1.76% | Quarterly |
| 24 Month | $1,000 | 1.80% | 1.81% | Quarterly |
| 30 Month "Bump-Up/One time interest increase until maturity" | $5,000 | 1.90% | 1.91% | Quarterly |
| 36 Month | $5,000 | 2.00% | 2.02% | Quarterly |
| 48 Month | $1,000 | 2.15% | 2.17% | Quarterly |
Checking Accounts
$1,000 deposit to open interest Checking. Interest rates & APY may change. Fees may reduce earnings. Student Checking requires a full-time Student thru college. Senior Checking requires direct deposit of Social Security or retirement pay.
| Checking Accounts | Average Daily Balance to Avoid Fee | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| Regular Checking | $200 | - | - | - |
| Student Checking | $0 | - | - | - |
| Senior Checking | $0 | - | - | - |
| Interest Checking | $1,000 | 0.05% | 0.05% | Monthly |
Money Market Account
$1,000 deposit to open. Interest rate & APY may change. Fees may reduce earnings. Transaction limitations apply. $1,000 Average Daily Balance to Avoid Fee.
| Cardinal Account | Tiers Balance | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| $0.01 - $9,999.99 | 1.40% | 1.41% | Monthly | |
| $10,000 - $49,999.99 | 1.65% | 1.66% | Monthly | |
| $50,000 - and above | 2.10% | 2.12% | Monthly |
Savings Accounts
Interest rates & APY may change. Fees may reduce earnings. Regular Savings account transaction limitations apply.
| Savings Accounts | Average Daily Balance to Avoid Fee | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| Regular Savings | $25 | 0.35% | 0.35% | Quarterly |
| Health Savings Account (HSA) | $25 | 0.35% | 0.35% | Quarterly |
Individual Retirement Accounts (IRA)
Substantial penalty for early withdrawal. Fees may reduce earnings. Interest rate & APY may change.
| Account | Average Daily Balance to Avoid Fee | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| IRA Roth Open | $25 | 3.65% | 3.70% | Semi-Annually |
| IRA Traditional Open | $25 | 3.65% | 3.70% | Semi-Annually |