Current Rates

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Certificate of Deposit Rates
Maturity of CD Minimum to Open APY*
(02/08/17 thru 02/14/17)
APY*
(02/15/17 thru 02/21/17)
APY*
(02/22/17 thru 02/28/17)
3 Month $1,000 0.25% 0.25% 0.25%
6 Month $1,000 0.50% 0.50% 0.50%
12 Month $1,000 0.60% 0.60% 0.60%
18 Month $1,000 0.75% 0.75% 0.75%
24 Month $1,000 1.30% 1.30% 1.30%
36 Month $1,000 1.40% 1.40% 1.40%
60 Month $1,000 1.80% 1.80% 1.80%
7 Month $1,000 N/A N/A N/A
13 Month $1,000 N/A N/A N/A
  • *APY = Annual Percentage Yield
  • Rates are effective as of 02/22/2017.
  • Rates are subject to change at any time without prior notice.
  • Penalties for early withdrawal.

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Deposit Account Rates
Product Minimum Balance to Open Interest Rate APY*
NOW Accounts $1,000 0.15% 0.15%
Super NOW $1,500 0.15% 0.15%
Money Market $2,000 0.25% 0.25%
Regular Savings $100 0.25% 0.25%
Common Sense Checking $100 0.15% 0.15%
  • *APY = Annual Percentage Yield
  • Rates are subject to change at any time without prior notice.
  • Fees may reduce earnings

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High Cotton Account Rates
Account Balance Minimum Balance to Open Interest Rate APY*
Under $10,000 $10,000 0.20% 0.20%
$10,000 to $49,999.99 $10,000 0.25% 0.25%
$50,000 to $99,999.99 $10,000 0.30% 0.30%
$100,000 or more $10,000 0.40% 0.40%
  • *APY = Annual Percentage Yield
  • Rates are subject to change at any time without prior notice.
  • Fees may reduce earnings

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Second Century Money Market Account
Account Balance Minimum Balance to Open Interest Rate APY*
Under $125,000 $125,000 0.40% 0.40%
$125,000 or More $125,000 0.50% 0.50%
  • *APY = Annual Percentage Yield
  • Rates are subject to change at any time without prior notice.
  • Fees may reduce earnings

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