Rates
All Quoted Rates Good through October 21st, 2026.
Certificates of Deposit
Substantial penalty for early withdrawal. 30 Month "Bump-Up" CD has a one time interest increase until maturity.
| Certificates of Deposit | Account Opening Minimum Balance | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| 6 Month | $1,000.00 | 3.84% | 3.90% | Quarterly |
| 9 Month | $10,000.00 | 3.84% | 3.90% | Quarterly |
| 12 Month | $1,000.00 | 1.60% | 1.61% | Quarterly |
| 18 Month | $10,000.00 | 4.04% | 4.10% | Quarterly |
| 24 Month | $1,000.00 | 3.94% | 4.00% | Quarterly |
| 30 Month "Bump-Up/One time interest increase until maturity" | $5,000.00 | 1.80% | 1.81% | Quarterly |
| 36 Month | $5,000.00 | 3.75% | 3.80% | Quarterly |
| 48 Month | $1,000.00 | 2.00% | 2.02% | Quarterly |
Checking Accounts
$1,000 deposit to open interest Checking. Interest rates & APY may change. Fees may reduce earnings. Student Checking requires a full-time Student thru college. Senior Checking requires direct deposit of Social Security or retirement pay.
| Checking Accounts | Average Daily Balance to Avoid Fee | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| Regular Checking | $200.00 | - | - | - |
| Student Checking | $0.00 | - | - | - |
| Senior Checking | $0.00 | - | - | - |
| Interest Checking | $1,000.00 | 0.10% | 0.10% | Monthly |
Money Market Account
$1,000 deposit to open. Interest rate & APY may change. Fees may reduce earnings. Transaction limitations apply. $1,000 Average Daily Balance to Avoid Fee.
| Cardinal Account | Tiers Balance | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| $0.01 - $9,999.99 | 1.49% | 1.50% | Monthly | |
| $10,000.00 - $49,999.99 | 1.79% | 1.80% | Monthly | |
| $50,000.00 - and above | 2.57% | 2.60% | Monthly |
Savings Accounts
Interest rates & APY may change. Fees may reduce earnings. Regular Savings account transaction limitations apply.
| Savings Accounts | Average Daily Balance to Avoid Fee | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| Regular Savings | $25.00 | 0.40% | 0.40% | Quarterly |
| Health Savings Account (HSA) | $.01-$9,999.99 | 0.50% | 0.50% | Quarterly |
| $10,000.00-$49,999.99 | 1.25% | 1.26% | Quarterly | |
| $50,000.00- and above | 1.50% | 1.51% | Quarterly |
Individual Retirement Accounts (IRA)
Substantial penalty for early withdrawal. Fees may reduce earnings. Interest rate & APY may change.
| Account | Average Daily Balance to Avoid Fee | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| IRA Roth Open | $25.00 | 3.16% | 3.20% | Quarterly |
| IRA Traditional Open | $25.00 | 3.16% | 3.20% | Quarterly |
| SEP | $25.00 | 3.16% | 3.20% | Quarterly |
|
*APY - Annual Percent Yield |