Rates
Rates
All Quoted Rates Good through January 26, 2022
Certificates of Deposit
Substantial penalty for early withdrawal. 30 Month "Bump-Up" CD has a one time interest increase until maturity.
| Certificates of Deposit | Minimum Balance | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| 6 Month | $1,000 | 0.20% | 0.20% | Quarterly |
| 9 Month | $10,000 | 0.25% | 0.25% | Quarterly |
| 12 Month | $1,000 | 0.30% | 0.30% | Quarterly |
| 18 Month | $10,000 | 0.40% | 0.40% | Quarterly |
| 24 Month | $1,000 | 0.50% | 0.50% | Quarterly |
| 30 Month "Bump-Up" | $5,000 | 0.55% | 0.55% | Quarterly |
| 36 Month ~ New CD ~ | $5,000 | 0.60% | 0.60% | Quarterly |
| 48 Month | $1,000 | 0.65% | 0.65% | Quarterly |
Checking Accounts
$1,000 deposit to open NOW 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 | - | - | - |
| Student Checking | $ 0 | - | - | - |
| Senior Checking | $ 0 | - | - | - |
| Interest Checking | $1,000 | 0.05% | 0.05% | 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 | 0.10% | 0.10% | Monthly | |
| $10,000 - $49,999.99 | 0.15% | 0.15% | Monthly | |
| $50,000 - and above | 0.20% | 0.20% | 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 | 0.05% | 0.05% | Quarterly |
| Health Savings Account (HSA) | $25 | 0.20% | 0.20% | Quarterly |
Individual Retirement Accounts (IRA)
Substantial penalty for early withdrawal. Fees may reduce earnings. Interest rate & APY may change.
| Account | Minimum Balance | Interest Rate | APY* | Compounds |
|---|---|---|---|---|
| IRA Roth Open | $25 | 0.50% | 0.50% | Semi-Annually |
| IRA Traditional Open | $25 | 0.50% | 0.50% | Semi-Annually |
| SEP | $25 | 0.50% | 0.50% | Semi-Annually |
*APY - Annual Percent Yield
