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.

Starting July 1, 2021
*APY = Annual Percentage Yield
APY is compounded Monthly unless otherwise noted with (**).

Account Title Term *APY Interest Rate Minimum Balance
To Open & Earn APY
Direct Interest Checking N/A 0.01 0.01 50.00
50 Plus Interest Checking N/A 0.01 0.01 50.00
Prestige Interest Checking    Tier 1 N/A 0.03 0.03 1,500 & Over
Prestige Interest Checking    Tier 2 N/A 0.01 0.01 50.00 - 1,499.99
Business Interest Checking N/A 0.03 0.03 50.00
Public Fund MM+ Investment N/A   Please Call 100,000.00
Passbook Savings** N/A 0.02 0.02 10.00
Christmas Club N/A 0.02 0.02 $100.00
Regular NOW N/A 0.02 0.02 1,000.00
Super NOW N/A 0.02 0.02 2,000.00
         
         

More information on these products:
Checking click here, Savings click here, NOW click here, Money Markets click here.

Interest is compounded Monthly unless otherwise notated.
**Interest is compounded Quarterly.

 

Account Title Term *APY Interest Rate Minimum Balance
Money Market N/A 0.18 0.18 100,000 & Over
Money Market N/A 0.13 0.13 50,000 - 99,999.99
Money Market N/A 0.08 0.08 25,000 - 49,999.99
Money Market N/A 0.03 0.03 0.01 - 24,999.99
A Money Market earns higher interest as each tier's minimum balance is met. More information click here.

 

Account Title Term *APY Interest Rate Minimum Balance
To Open & Earn APY
18 Month Variable IRA N/A 0.02 0.02 25.00
IRA Savings Passbook** N/A 0.02 0.02 10.00
HSA Accounts N/A 0.02 0.02 N/A
More information on IRA click here.
More information on HSA click here.
The CD interest rates can also apply to IRA accounts.
**Interest is compounded Quarterly.

 

Account Tile Term *APY Interest Rate Minimum Balance
To Open & Earn APY
Certificates of Deposit 30-89 Days 0.15 0.15 500.00
Certificates of Deposit 90-179 Days 0.15 0.15 500.00
Certificates of Deposit 6 Months 0.20 0.20 500.00
Certificates of Deposit One Year 0.25 0.25 500.00
Certificates of Deposit Two Years 0.40 0.40 500.00
Certificates of Deposit Three Years 0.45 0.45 500.00
Certificates of Deposit Four Years 0.50 0.50 500.00
Certificates of Deposit Five Years 0.55 0.55 500.00

More information on CD's
The CD interest rates can also apply to IRA accounts.

Withdrawal Penalties for accounts opened after 10-1-19
A. Equal to 3 months interest for accounts with an initial maturity of 6 months or less.
B. Equal to 6 months interest for accounts with a maturity of more than 6 months up 48 months.
C. Equal to 12 months interest for accounts with maturity of 48 months or greater
(Note: These are minimum required penalties.)
(Note: The CD interest rates of 6 months and greater can also apply to IRA Acounts.)

 

Account Title / CD specials Term *APY Interest Rate Minimum Balance
To open & Earn APY
Performance Plus Add On CD 13 Month 0.25 0.25 5,000.00
Performance Plus Add On CD 18 Month 0.35
0.35
2,000.00
Performance Plus Add On CD 30 Month 0.45 0.45 2,000.00

Additional deposits can be made in the amount of $100.00 or more; however, the
aggregate total of the deposits can not exceed the original amount of the certificate. 
More information on CD's click here.
The CD interest rates can also apply to IRA accounts.

Withdrawal Penalties for accounts opened after 10-1-19 
A. Equal to 3 months interest for accounts with an initial maturity of 6 months or less. 
B. Equal to 6 months interest for accounts with a maturity of more than 6 months up 48 months.
C. Equal to 12 months interest for accounts with maturity of 48 months or greater
(Note: These are minimum required penalties.)
(Note: The CD interest rates of 6 months and greater can also apply to IRA Acounts.)

 

Account Title Term *APY Interest Rate Minimum Balance
To Open & Earn APY
JUMBO CD INTEREST RATES 30 Days 0.20 0.20 100,000.00
JUMBO CD INTEREST RATES 60 Days 0.20 0.20 100,000.00
JUMBO CD INTEREST RATES 90 Days 0.20 0.20 100,000.00
JUMBO CD INTEREST RATES 120 Days 0.20 0.20 100,000.00
JUMBO CD INTEREST RATES 6 Months 0.25 0.25 100,000.00
JUMBO CD INTEREST RATES 1 Year 0.30 0.30 100,000.00
JUMBO CD INTEREST RATES 2 Year 0.45 0.45 100,000.00
JUMBO CD INTEREST RATES 3 Year 0.50 0.50 100,000.00
JUMBO CD INTEREST RATES 4 Year 0.55 0.55 100,000.00
JUMBO CD INTEREST RATES 5 Year 0.60 0.60 100,000.00

The CD interest rates can also apply to IRA accounts. 
More information on CD's click here.

Withdrawal Penalties for accounts opened after 10-1-19 
A. Equal to 3 months interest for accounts with an initial maturity of 6 months or less. 
B. Equal to 6 months interest for accounts with a maturity of more than 6 months up 48 months. 
C. Equal to 12 months interest for accounts with maturity of 48 months or greater
(Note: These are minimum required penalties.)
(Note: The CD interest rates of 6 months and greater can also apply to IRA Acounts.)

 

Compare
Accounts
Service Charge Service Fees Minimum Balance
To Avoid Fees
Interest ATM/ Debit Card Minimum Deposit to Open Account
Completely FREE Checking NONE NONE NONE NO YES $50.00

The minimum balance to open this account is $50.00; There is no monthly Service Charge with this account; 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; and Other fees such as overdraft fees and non-sufficient funds fees may apply.

DIrect Interest Checking NONE NONE NONE YES YES $50.00

The minimum balance to open this account is $50.00; This account offers interest as detailed above.  The interest rate and annual percentage yield may change at any time.  The minimum balance to obtain the above disclosed annual percentage yield is $1.00.  Fees charged to the account could reduce earnings; There is no monthly Service Charge with this account; and 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. 

50 Plus Checking NONE NONE NONE YES YES $50.00

The minimum balance to open this account is $50.00; This account offers interest as detailed above.  The interest rate and annual percentage yield may change at any time.  The minimum balance to obtain the above disclosed annual percentage yield is $1.00.  Fees charged to the account could reduce earnings; There is no monthly Service Charge with this account; and 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. 

Prestige Interest Checking $8.00 NONE $1,500.00 YES YES $50.00

The minimum balance to open this account is $50.00; This account offers interest as detailed above.  The interest rate and annual percentage yield may change at any time.  The minimum balance to obtain the above disclosed annual percentage yield is $1.00.  Fees charged to the account could reduce earnings; If your balance falls below $1,500.00 on any day during the statement cycle, a Service Charge of $8.00 will be levied.  There will be a grace period of 30 days following the date you opened your account where the Service Charge will not be assessed if your balance falls below $1,500.00; and 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. 

Completely FREE Business Checking NONE NONE NONE NO YES $50.00

The minimum balance to open this account is $50.00; There is no monthly Service Charge with this account; 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 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; and Other fees such as overdraft fees and non-sufficient funds fees may apply.

Business Interest Checking $8.00 NONE $1,500.00 YES YES $50.00

The minimum balance to open this account is $50.00; This account offers interest as detailed above.  The interest rate and annual percentage yield may change at any time.  The minimum balance to obtain the above disclosed annual percentage yield is $1.00.  Fees charged to the account could reduce earnings; If your balance falls below $1,500.00 on any day during the statement cycle, a Service Charge of $8.00 will be levied.  There will be a grace period of 30 days following the date you opened your account where the Service Charge will not be assessed if your balance falls below $1,500.00; and 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 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.

Commercial Checking $15.00 $ 0.15 per transaction item NONE NO YES $50.00

The minimum balance to open this account is $50.00; A Service Charge of $15.00 will be levied each statement cycle.  In addition, a Service Charge of $0.15 per transaction item will be assessed.  These fees can be offset by a $0.30 per $100.00 earnings credit based on your average monthly balance.  You also receive a detailed analysis of your account each month; and 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 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.

Passbook Savings $5.00 NONE $100.00 YES YES $10.00

The minimum balance to open this account is $10.00; This account offers interest as detailed above.  The interest rate and annual percentage yield may change at any time.  The minimum balance to obtain the above disclosed annual percentage yield is $10.00.  Fees charged to the account could reduce earnings; If your balance falls below $100.00 on any day during the statement cycle, a Service Charge of $5.00 will be levied.  There will be a grace period of 30 days following the date you opened your account where the Service Charge will not be assessed if your balance falls below $100.00.  Fees can be avoided if you are under 24 years of age or 50 years or older.  Accounts with balances of less than $10.00 are subject to closure; You are allowed six convenient debit transactions during the statement cycle; and You can make unlimited transfers in person.

Money Market $10.00 NONE $5,000.00 YES YES $50.00

The minimum balance to open this account is $50.00; This account offers interest as detailed above.  The interest rate and annual percentage yield may change at any time.  The minimum balance to obtain the above disclosed annual percentage yield is $1.00.  Fees charged to the account could reduce earnings; If your balance falls below $5,000.00 on any day during the statement cycle, a Service Charge of $10.00 will be levied.  There will be a grace period of 30 days following the date you opened your account where the Service Charge will not be assessed if your balance falls below $5,000.00; You are allowed six convenient debit transactions during the statement cycle; and You can make unlimited transfers in person.

Regular Checking $5.00 $ .10 per debit $500.00 NO YES No longer available
This account is no longer offered to be opened; and If your balance falls below $500.00 on any day during the statement cycle, a Service Charge of $5.00 will be levied and a Service Charge of $0.10 per check or debit transaction item will be assessed. 
Killbuck Direct NONE NONE NONE NO YES No longer available

This account is no longer offered to be opened; and There is no monthly Service Charge with this account.

Senior (60) NONE NONE NONE NO YES No longer available

This account is no longer offered to be opened; There is no monthly Service Charge with this account; This account is for those 60 years of age or older; One box of basic style checks free per order, or $4.00 towards any other check style; Free money orders and cashier’s checks; No charge for photo copies; and Free Notary Service.

Student Checking NONE NONE NONE NO YES No longer available

This account is no longer offered to be opened; There is no monthly Service Charge with this account; This account is for fulltime students under 24 years of age; and When the account holder reaches 24 years of age the account will be converted to a Completely Free Checking account.

NOW $8.00 $ .10 per debit $1,000.00 YES YES No longer available

This account is no longer offered to be opened; This account offers interest as detailed above.  The interest rate and annual percentage yield may change at any time.  The minimum balance to obtain the above disclosed annual percentage yield is $1.00.  Fees charged to the account could reduce earnings; and If your balance falls below $1,000.00 on any day during the statement cycle, a Service Charge of $8.00 will be levied and a Service Charge of $0.10 per check or debit transaction item will be assessed. 

Super NOW $8.00 NONE $2,000.00 YES YES No longer available

This account is no longer offered to be opened; This account offers interest as detailed above.  The interest rate and annual percentage yield may change at any time.  The minimum balance to obtain the above disclosed annual percentage yield is $1.00.  Fees charged to the account could reduce earnings; and If your balance falls below $2,000.00 on any day during the statement cycle, a Service Charge of $8.00 will be levied.

Health Savings Account $3.00 NONE NONE YES YES N/A

To be eligible for a HSA 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; There is no minimum balance to open this account; This account offers interest as detailed above.  The interest rate and annual percentage yield may change at any time.  The minimum balance to obtain the above disclosed annual percentage yield is $1.00.  Fees charged to the account could reduce earnings; and A Service Charge of $3.00 will be levied each month.  There is a one-time fee of $5.00 per card issued.

             

 

             

 

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