The interest rates and annual percentage yields stated below are accurate as of November 12th, 2025.
You may call (304) 822-3541 or a customer service representative at any of our locations to obtain current information.
| Variable Rate Accounts** |
Interest Rate |
Compounded APY* |
| MMA ($2,500.00 to open) ($5.00 fee under $2,500.00) |
.20% |
.20% (Under $10,000.00) |
| MMA ($2,500.00 to open) ($5.00 fee under $2,500.00) |
1.50% |
1.51% ($10,000.00 - $24,999.99) |
| MMA ($2,500.00 to open) ($5.00 fee under $2,500.00) |
2.50% |
2.53% ($25,000.00 - $49,999.99) |
| MMA ($2,500.00 to open) ($5.00 fee under $2,500.00) |
3.00% |
3.04% ($50,000.00 - $99,999.99) |
| MMA ($2,500.00 to open) ($5.00 fee under $2,500.00) |
3.50% |
3.56% ($100,000.00 -$199,999.99)) |
|
MMA ($2,500.00 to open) ($5.00 fee under $2,500.00)
|
3.80% |
3.87% ($200,000.00 & ABOVE) |
|
IRA Variable ($50.00 to open)
|
1.00% |
1.00% |
| Savings ($10.00 to open) ($2.00 fee under $100.00) |
.20% |
.20% |
|
Apple Seed Savings
|
.20% |
.20% |
|
NOW ($1,000.00 to open) ($5.00 fee under $1,000.00)***
|
.06% |
.06% |
| NOW 25 ($25,000.00 to open) ($25.00 fee under $25,000.00)*** |
.20% |
.20% |
| NOW 50 ($50,000.00 to open) ($35.00 fee under $50,000.00)*** |
.25% |
.25% |
| Certificates**** |
|
|
| 91 Days |
3.85% |
3.91% QTL. Min. $500.00 (Penalty 30 Days) |
| 182 Days |
3.80% |
3.85% QTL. Min. $500.00 (Penalty 30 Days) |
| 9 Months |
3.75% |
3.80% QTL. Min. $500.00 (Penalty 30 Days) |
| 12 Months |
3.60% |
3.65% QTL. Min. $500.00 (Penalty 30 Days) |
| 18 Months^ |
3.25% |
3.30% Daily Min. $500.00 (Penalty 90 Days) |
| 24 Months1 |
3.25% |
3.30% Daily Min. $1,000.00 (Penalty 90 Days) |
| 30 Months |
3.00% |
3.05% Daily Min. $1,000.00 (Penalty 90 Days) |
| 60 Months |
3.25% |
3.30% Daily Min. $1,000.00 (Penalty 180 Days) |
|
Special 15 Month CD*****
|
3.50% |
3.55% QTL Min. $5,000.00 (Penalty 30 Days) |
|
|
|
* APY is Annual Percentage Yield
** Rates may change after the account is opened. Fees may reduce earnings.
***Corporations, partnerships, associations, business trusts, or other organizations for profit may not maintain NOW accounts.
****Penalty may be imposed for early withdrawal on Certificate of Deposit.
*****Must be compounded and Auto Renew to 12 Month Term at current rate (12-month rate on date of maturity)
^Certificate Builder 18 Months term Only. One monthly deposit, $500.00 minimum.
