Checking & Savings Rates

We have multiple accounts to match your ever-changing financial needs. Check our competitive personal and business bank rates.

Rates accurate as of 10.31.2025

Personal Checking Accounts

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Account Name	Minimum to Open	Minimum to Avoid Service Fee	Minimum to Earn APY	Interest Rate	APY
Absolutely Free Checking	$50.00	None	None	None	None
Youth Checking	$10.00	None	None	None	None
50+ Interest Checking	$50.00	None	None	0.02%	0.02%
Benefits Checking	$50.00	None	None	None	None
Prestige Interest Checking	$50.00	$1,500.00	$0.01 $25,000.00	0.05% 0.07%	0.05% 0.07%

Personal Savings Accounts

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Account Name	Minimum to Open	Minimum to Avoid Service Fee	Minimum to Earn APY	Interest Rate	APY
Personal Savings	$50.00	None	$500.00	0.06%	0.06%
Youth Savings	$10.00	None	$0.01	0.10%	0.10%
Christmas Club	$0.00	None	None	0.10%	0.10%
Health Savings	$0.00	None	$0.01 $2,500.00 $10,000.00	0.07% 0.40% 0.40%	0.07% 0.40% 0.40%
HealthyU HSA MMDA	$0.00	None	$0.01 $2,500.00 $10,000.00	1.50% 1.50% 1.50%	1.51% 1.51% 1.51%
Personal Money Market	$50.00	$2,500.00	$0.01 $2,500.00 $100,000.00 $250,000.00 $500,000.00 $1,000,000.00	0.10% 0.10% 0.15% 0.25% 0.35% 0.40%	0.10% 0.10% 0.15% 0.25% 0.35% 0.40%
SecFed High Yield Money Market	$50	$5,000.00	$0.01 $5,000 $100,000 $250,000	0.10% 2.00% 2.50% 3.40%	0.10% 2.02% 2.53% 3.46%

Account Details | Find Local Branch

Term	Minimum to Open	Minimum Balance	Interest Rate	APY
3 Month	$500.00	$500.00	0.41%	0.41%
6 Month	$500.00	$500.00	0.51%	0.51%
12 Month	$500.00	$500.00	0.71%	0.71%
18 Month	$500.00	$500.00	1.26%	1.27%
24 Month	$500.00	$500.00	1.75%	1.76%
30 Month	$500.00	$500.00	1.85%	1.86%
36 Month	$500.00	$500.00	1.74%	1.75%
48 Month	$500.00	$500.00	1.64%	1.65%
60 Month	$500.00	$500.00	1.54%	1.55%

Personal CD Specials

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Term	Minimum to Open	Minimum Balance	Interest Rate	APY

4 Month Special	$500.00	$500.00	4.01%	4.06%
7 Month Special	$500.00	$500.00	3.91%	3.94%
Your Flex CD (15 Month)¹	$500.00	$500.00	3.62%	3.67%
15 Month Special	$500.00	$500.00	3.69%	3.74%
Your Flex CD (35 Month)¹	$500.00	$500.00	3.40%	3.44%

¹Interest compounds quarterly and credits quarterly. Early withdrawal penalty is $50 (if closed before maturity or make withdrawals when the balance is below $10,000.00) Make 1 FREE withdrawal from your Flex CD each month as long as the balance is above $10,000 at the time of the withdrawal. Make deposits into your Flex CD as much as you like! A penalty may be imposed for any CD withdrawals before maturity. Fees may reduce earnings on an account.

APY=Annual Percentage Yield. A penalty may be imposed for any CD withdrawals before maturity. Fees may reduce earnings on account.