Deposit Rates

For more information regarding the following rates and terms please contact a customer service representative at any of our convenient locations. Any fees incurred could reduce earnings.

Products Currently Offered

Checking, Savings, and Health Savings Accounts
*APY = Annual Percentage Yield
APY is compounded Monthly unless otherwise noted with (**).
Account Title Term APY%* Interest Rate% Minimum Balance to Earn APY%
Completely Free Checking1 N/A N/A N/A N/A
Direct Interest Checking1 N/A 0.01 0.01 $1.00
50 Plus Interest Checking1 N/A 0.01 0.01 $1.00
Prestige Interest Checking -
  Tier 11
N/A 0.03 0.03 $1,500.00 & Over
Prestige Interest Checking -
  Tier 21
N/A 0.01 0.01 $1.00 - $1,499.99
Completely Free Business Checking1 N/A N/A N/A N/A
Business Interest Checking1 N/A 0.03 0.03 $1.00
Commercial Checking1 N/A N/A N/A N/A
Personal Passbook Savings**2 N/A 0.02 0.02 $10.00
Christmas Club**2 N/A 0.02 0.02 $100.00
Business Passbook Savings**2 N/A 0.02 0.02 $10.00
Health Savings Account3 N/A 0.02 0.02  $0.00
Public Fund MM+ Investment N/A Please Call $100,000.00

1Checking Account Details:
  • Minimum balance to open: $50.00
  • Monthly maintenance charge: No monthly maintenance charge unless noted below.
    • Prestige Interest Checking and Business Interest Checking accounts incur a maintenance charge of $8.00 if the balance falls below $1,500.00 on any day during the statement cycle. No maintenance charge will be assessed for these two accounts during the first 30 days after account opening.
    • Commercial Checking accounts incur a $15.00 monthly service charge each statement cycle, which is not waived in the first 30 days of account opening. In addition to the monthly service charge, $0.15 per transaction item will be assessed. These fees can be offset by a $0.30 per $100.00 earnings credit based on the average monthly balance. You will also receive a detailed analysis of your account each month.
  • Other fees: Other fees such as overdraft fees and non-sufficient funds fees may apply. This includes the Completely Free Checking account. See the Bank’s fee schedule for more information.
  • Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $1.00. Prestige Interest Checking has a second tier, which requires $1,500.00 to earn that interest rate. Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.
  • Bonus: You will receive a gift as advertised as a bonus when you open the account. This gift can be substituted by a gift of similar value at the Bank's discretion. In addition to the gift as advertised when you open the account, you can also receive, as a bonus, up to $10.00 when you present your debit card(s) and/or checks from your former financial institution. To earn this bonus, for consumer checking accounts, we will bonus a $2.00 credit to your new account for each pad of unused checks and each debit card up to a total of $10.00. To earn this bonus, for commercial checking accounts, we will bonus a $10.00 credit to your new account for any amount of unused checks or old debit cards presented for business accounts at a prior financial institution.

2Savings Account Details:
  • Minimum balance to open:  $10.00
  • Monthly maintenance charge: A maintenance charge of $5.00 is incurred if the balance falls below $100.00 on any day during the statement cycle. No maintenance charge will be assessed for these accounts during the first 30 days after account opening. The maintenance charge can be avoided if you are under 24 years old or those 50 years or older. It is your responsibility to inform us if you meet these criteria.  
  • Other fees: Other fees such as overdraft fees and non-sufficient funds fees, etc. may apply. See the Bank’s fee schedule for more information.
  • Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $10.00 for passbook accounts and $100.00 for Christmas Club accounts. Any fees may reduce earnings. Interest is compounded quarterly. Rates are accurate as of today.
  • Accounts with balances below $10.00 are subject to closure.
  • Christmas Club only: You may make an unlimited amount of deposits. However, if any withdrawal is made from the account before maturity (every October), the account will be closed and you will receive unpaid accrued interest. Your account will mature each October and a check will be mailed to you. This account will automatically renew at maturity provided that you make additional deposits after maturity. Current year Christmas Clubs are not opened after January 31st.

3Health Savings Account Details:
  • Minimum balance to open: $0.00
  • Monthly maintenance charge: A maintenance charge of $3.00 is incurred each month.
  • Other fees: Other fees such as overdraft fees and non-sufficient funds fees, etc. may apply. See the Bank’s fee schedule for more information. There is a one-time fee of $5.00 per debit card issued.
  • Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $0.00. Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.
  • To be eligible for a Health Saving Account, you must have coverage under a high deductible health plan (HDHP) that is compatible with an HSA. Contributions to your HSA can be made by you, your employer, or both. However, the total contributions are limited annually. Contributions to the account must stop once you are enrolled in Medicare. However, you can keep the money in your account and use it to pay for medical expenses.

Money Market Accounts

Interest is compounded Monthly unless otherwise notated.
**Interest is compounded Quarterly.
Account Title Term APY%* Interest Rate% Minimum Balance to Earn APY%
Personal Money Market - Tier 14 N/A 0.18 0.18 $100,000.00 & Over
Personal Money Market - Tier 24 N/A 0.13 0.13 $50,000.00 - $99,999.99
Personal Money Market - Tier 34 N/A 0.08 0.08 $25,000.00- $49,999.99
Personal Money Market - Tier 44 N/A 0.03 0.03 $1.00 - $24,999.99
Business Money Market - Tier 14 N/A 0.18 0.18 $100,000.00 & Over
Business Money Market - Tier 24 N/A 0.13 0.13 $50,000.00 - $99,999.99
Business Money Market - Tier 34 N/A 0.08 0.08 $25,000.00- $49,999.99
Business Money Market - Tier 44 N/A 0.03 0.03 $1.00 - $24,999.99
4Money Market Account Details:
  • Minimum balance to open: $50.00
  • Monthly maintenance charge: A maintenance charge of $10.00 is incurred if the balance falls below $5,000.00 on any day during the statement cycle. No maintenance charge will be assessed for these two accounts during the first 30 days after account opening.
  • Other fees: Other fees such as overdraft fees and non-sufficient funds fees, etc. may apply. See the Bank’s fee schedule for more information. 
  • Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $1.00. Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.

Certificates of Deposit and Individual Retirement Accounts

The CD interest rates can also apply to IRA accounts. 
**Interest is compounded Quarterly.

Account Title Term APY%* Interest Rate% Minimum Balance to Earn APY%
18 Month Variable IRA5 18 Month 0.02 0.02 $25.00
IRA Savings Passbook5** N/A 0.02 0.02 $10.00

5Individual Retirement Account (IRA) Details:
  • 18 Month Variable IRA
    • Minimum balance to open: $25.00
    • Compounding frequency - Interest will be compounded monthly
    • Crediting frequency - Interest will be credited into this account monthly.
    • Early withdrawals - The penalty we may impose will equal 6 months interest on the amount withdrawn subject to penalty. The interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. In certain circumstances, such as the death or incompetence of an account owner, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply.
    • Withdrawal of interest prior to maturity - The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.
    • Automatically renewable account - Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar day(s) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any) or we receive written or telephone notice from you before maturity of your intention not to renew.
    • Final maturity - If your account is not renewed, the funds in the account will be paid directly to you.
    • Withdrawal limitations - You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest anytime during the term after it is credited to your account.
    • Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $25.00. Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.
  • IRA Savings Passbook Account
    • Minimum balance to open: $10.00
    • Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $10.00. Any fees may reduce earnings. Interest is compounded quarterly. Rates are accurate as of today.
    • Deposit limitations - You may make an unlimited number of deposits into your account. The minimum amount you can deposit is $10.00.
  • For retirement accounts, withdrawals may have adverse tax consequences. Please consult your tax advisor.


Account Title Term APY%* Interest Rate% Minimum Balance to Earn APY%
Certificates of Deposit6 30-89 Days 0.15 0.15 $500.00
Certificates of Deposit6
90-179 Days 0.15 0.15 $500.00
Certificates of Deposit6 6 Months 0.20 0.20 $500.00
Certificates of Deposit6 One Year 0.25 0.25 $500.00
Certificates of Deposit6 Two Years 0.40 0.40 $500.00
Certificates of Deposit6 Three Years 0.45 0.45 $500.00
Certificates of Deposit6 Four Years 0.50 0.50 $500.00
Certificates of Deposit6 Five Years 0.55 0.55 $500.00
Performance Plus Add On CD6 13 Month 0.25 0.25 $5,000.00
Performance Plus Add On CD6 18 Month 0.35 0.35 $2,000.00
Performance Plus Add On CD6 30 Month 0.45 0.45 $2,000.00
JUMBO CD INTEREST RATES6 30 Days 0.20 0.20 $100,000.00
JUMBO CD INTEREST RATES6 60 Days 0.20 0.20 $100,000.00
JUMBO CD INTEREST RATES6 90 Days 0.20 0.20 $100,000.00
JUMBO CD INTEREST RATES6 120 Days 0.20 0.20 $100,000.00
JUMBO CD INTEREST RATES6 6 Months 0.25 0.25 $100,000.00
JUMBO CD INTEREST RATES6 1 Year 0.30 0.30 $100,000.00
JUMBO CD INTEREST RATES6 2 Year 0.45 0.45 $100,000.00
JUMBO CD INTEREST RATES6 3 Year 0.50 0.50 $100,000.00
JUMBO CD INTEREST RATES6 4 Year 0.55 0.55 $100,000.00
JUMBO CD INTEREST RATES6 5 Year
0.60 0.60 $100,000.00

6Certificates of Deposit (CD) and Individual Retirement Account Details:
  •  Minimum balance to open:
    • Certificates of Deposit: $500.00
    • Performance Plus Add On CD 13-month term: $5,000.00
    • Performance Plus Add On CD 18-month and 30-month terms: $2,000.00
    • JUMBO CDs: $100,000.00 for all terms.
  • Monthly maintenance charge: None for CDs.
  • Early withdrawal penalties: The following penalties will be assessed if a withdrawal is performed prior to maturity if the certificate was opened after October 1, 2019.
    • Term of 6 months or less: An amount equal to 3 months’ interest.
    • Term of more than 6 months up to 48 months: An amount equal to 6 months’ interest.
    • Term of 48 months or greater: An amount equal to 12 months’ interest.
  • Interest bearing account details: Fixed rate for the term. Minimum balance to earn interest:
    • Certificates of Deposit: $500.00
    • Performance Plus Add On CD 13-month term: $5,000.00
    • Performance Plus Add On CD 18-month and 30-month terms: $2,000.00
    • JUMBO CDs: $100,000.00 for all terms.
Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.
  • Performance Plus Add On CD: Allows additional deposits during term. Additional deposits can be made in the amount of $100.00 or more; however, the aggregate total of the deposits cannot exceed the original amount of the certificate. If automatically renewed, these will become a regular Certificate of Deposit and all terms will apply.
  • INTEREST RATES CAN ALSO APPLY TO IRA ACCOUNTS IF TERM IS MORE THAN 6 MONTHS.
  • For retirement accounts, withdrawals may have adverse tax consequences.  Please consult your tax advisor.

Products No Longer Offered

Account Title Term APY%* Interest Rate% Minimum Balance to Earn APY%
Regular Personal Checking Accounts7 N/A N/A N/A N/A
Killbuck Direct Checking Account7 N/A N/A N/A N/A
Estate Checking Account7 N/A N/A N/A N/A
Business Checking Account7
N/A N/A N/A N/A
Business Checking Plus  Account7 N/A 0.02 0.02 $0.01
Senior Citizen Age 60 Checking Account7 N/A N/A N/A N/A
Student Checking Account7 N/A N/A N/A N/A
Personal NOW Checking Account8 N/A 0.02 0.02 $1,000.00
Business NOW Checking Account8 N/A 0.02 0.02 $1,000.00
Estate NOW Checking Account8 N/A 0.02 0.02 $1,000.00
Regular Super NOW Checking Account9 N/A 0.02 0.02 $2,000.00
Business Super NOW Checking Account9 N/A 0.02 0.02 $2,000.00
Estate Super NOW Checking Account9 N/A 0.02 0.02 $2,000.00
 
7Checking Account Details:
  • Minimum balance to open: Products are no longer offered.
  • Monthly maintenance charge: No monthly maintenance fee unless noted below.
  • Regular Personal Checking Account, Killbuck Direct Checking Account and Student Checking Account: $5.00 maintenance charge if the balance falls below $500.00 on any day during the statement cycle. In addition, a $0.10 per debit transaction for any and every transaction debiting the account will be assessed.  Charges would not apply to Killbuck Direct Checking Account or Student Checking Account unless converted to a Regular Personal Checking Account as disclosed.  
  • Estate Checking Account: $5.00 maintenance charge.
  • Business Checking Account and Business Checking Plus Account: $5.00 maintenance charge. In addition, a $0.10 per debit transaction for any and every transaction debiting the account will be assessed as well as an item deposited fee of $0.05 for each and every foreign item deposited. For Business Checking Account only, these fees can be offset by a $0.30 per $100.00 earnings credit based on the average monthly balance. You will also receive a detailed analysis of your account each month.
  • Other fees: Other fees such as overdraft fees and non-sufficient funds fees, etc. may apply. See the Bank’s fee schedule for more information.
  • Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $1.00, or $0.01 for the Business Checking Plus Account. Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.

8NOW Account Details:
  • Minimum balance to open: Products are no longer offered.
  • Monthly maintenance charge:
    • Personal NOW Checking Account, Business NOW Checking Account and Estate NOW Checking Account: A maintenance charge of $8.00 if the balance falls below $1,000.00 on any day during the statement cycle. In addition, a $0.10 per debit transaction for any and every transaction debiting the account will be assessed.
  • Other fees: Other fees such as overdraft fees and non-sufficient funds fees, etc. may apply. See the Bank’s fee schedule for more information.
  • Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $1,000.00. Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.

9Super NOW Account Details:
  • Minimum balance to open: Products are no longer offered.
  • Monthly maintenance charge:
    • Regular Super NOW Checking Account, Business Super NOW Checking Account, and Estate Super NOW Checking Account: A maintenance charge of $8.00 if the balance falls below $2,000.00 on any day during the statement cycle.
  • Other fees: Other fees such as overdraft fees and non-sufficient funds fees, etc. may apply. See the Bank’s fee schedule for more information.
  • Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $2,000.00. Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.

Compare Accounts

Accounts Maintenance Charge Per Debit Paid / Transaction Items Minimum Balance to Avoid Maintenance Charge Interest% ATM/Debit Card Minimum Deposit to Open Account
Completely FREE Checking None N/A N/A No Yes $50.00
Direct Interest Checking None N/A N/A Yes Yes $50.00
50 Plus Checking None N/A N/A Yes Yes $50.00
Prestige Interest Checking $8.00 N/A $1,500.00 Yes Yes $50.00
Completely FREE Business Checking None N/A N/A No Yes $50.00
Business Interest Checking $8.00 N/A $1,500.00 Yes Yes $50.00
Commercial Checking $15.00 $0.15 per transaction item N/A No Yes $50.00
Personal Passbook Savings $5.00 N/A $100.00 Yes Yes $10.00
Christmas Club None N/A N/A Yes No $10.00
Business Passbook Savings $5.00 N/A $100.00 Yes Yes $10.00
Personal Money Market $10.00 N/A $5,000.00 Yes Yes $50.00
Business Money Market $10.00 N/A $5,000.00 Yes Yes $50.00
Regular Personal Checking Account $5.00 $0.10 per debit $500.00 No Yes No longer available
Killbuck Direct Checking Account $5.00 $0.10 per debit $500.00 No Yes No longer available
Estate Checking Account $5.00 N/A N/A No Yes No longer available
Business Checking Account $5.00 $0.10 per debit N/A No Yes No longer available
Business Checking Plus Account $5.00 $0.10 per debit N/A Yes Yes No longer available
Senior Citizen Age 60 Checking Account None N/A N/A No Yes No longer available
Student Checking Account $5.00 $0.10 per debit $500.00 No Yes No longer available
Personal NOW Checking Account $8.00 $0.10 per debit $1,000.00 Yes Yes No longer available
Business NOW Checking Account $8.00 $0.10 per debit $1,000.00 Yes Yes No longer available
Estate NOW Checking Account $8.00 $0.10 per debit $1,000.00 Yes Yes No longer available
Regular Super NOW Checking Account $8.00 N/A $2,000.00 Yes Yes No longer available
Business Super NOW Checking Account $8.00 N/A $2,000.00 Yes Yes No longer available
Estate Super NOW Checking Account $8.00 N/A $2,000.00 Yes Yes No longer available
Health Savings Account $3.00 N/A N/A Yes Yes N/A