Current Rates

CD Rates

TermInterest RateAPY (Annual Percentage Yield)

12 months 0.30% 0.30%
18 months 0.40% 0.40%
24 months 0.45% 0.45%
36 months 0.55% 0.55%
48 months 0.75% 0.75%
60 months 1.25% 1.25%

CD Disclosure

All rates subject to change and may be withdrawn anytime without notice. Minimum deposit of $500 required for non-promo CD’s. Penalty for early withdrawal may apply.  Fees may reduce earnings.

*For 6 Month No Penalty CD, funds must be on deposit for minimum of seven days after account opening after which a full withdrawal of funds is allowable with no penalty.


Money Market

Tiered BalancesInterest RateAPY

$0 – $999 0.049% 0.05%
$1,000 – $4,999 0.099% 0.10%
$5,000 – $9,999 0.149% 0.15%
$10,000 – $24,999 0.199% 0.20%
$25,000 – $49,999 0.349% 0.35%
$50,000 – $99,000 0.449% 0.45%
$100,000 – $249,000 0.548% 0.55%
$250,000+ 0.648% 0.65%

Money Market Disclosure

$5,000 daily minimum balance applies. Service fee applies on accounts that fall below minimum balance requirement. All rates are subject to change without notice at anytime including after account is opened.  Fees may reduce earnings.


Checking with Interest

Tiered BalancesInterest RateAPY

$0 – $499 0.049% 0.05%
$500 – $4,999 0.069% 0.07%
$5,000 – $9,999 0.099% 0.10%
$10,000 – $24,999 0.149% 0.15%
$25,000 – $49,999 0.199% 0.20%
$50,000 – $99,999 0.299% 0.30%
$100,000 – $249,999 0.399% 0.40%
$250,000+ 0.498% 0.50%

Checking with Interest Disclosure

Must maintain a $500 daily minimum balance to avoid monthly service fee. Account is subject to other account related fees including non sufficient funds and overdraft fees. All rates subject to change at anytime without notice.  Fees may reduce earnings.


Bird-in-Hand Savings

Tiered BalancesInterest RateAPY

$0 – $999 0.049% 0.05%
$1,000 – $4,999 0.099% 0.10%
$5,000 – $9,999 0.149% 0.15%
$10,000 – $24,999 0.199% 0.20%
$25,000 – $49,999 0.349% 0.35%
$50,000 – $99,999 0.449% 0.45%
$100,000 – $249,999 0.548% 0.55%
$250,000+ 0.648% 0.65%

Savings Disclosure

Must maintain a $100 daily minimum balance to avoid monthly service fee. All rates are subject to change without notice at anytime.  Fees may reduce earnings.


Bird-in-Hand Student Savings

Tiered BalancesInterest RateAPY

$0 – $599 0.099% 0.10%
$600 – $999 0.1499% 0.15%
$1,000 – $9,999 0.199% 0.20%
$10,000 – $24,999 0.299% 0.30%

Student Savings Disclosure

No minimum balance requirement for account. Must be 22 years of age or under to qualify. All rates are subject to change without notice at anytime.  Fees may reduce earnings.