Deposit Rates

These rates are effective as of December 6, 2024

Rates are for personal and business accounts only. We are not accepting deposits from other financial institutions. Rates are subject to change.

Deposit Specials

Certificates of Deposit^

For personal and general business investments; no bank or credit union investments or public funds money is to be placed in the special. Interested municipalities, please contact us for a quote.

Interest RateAnnual Percentage Yield*Minimum to Open
5 Month4.18%4.25%$5,000
7 Month3.94%4.00%$5,000
9 Month3.70%3.75%$5,000
14 Month3.45%3.50%$5,000

Standard Rates

Certificates of Deposit^

Interest RateAnnual Percentage Yield*Minimum to Open
3 Month0.03%0.03%$2,500
6 Month0.07%0.07%$2,500
12 Month1.00%1.00%$1,500
18 Month1.00%1.00%$1,500
24 Month1.00%1.00%$1,500
36 Month1.99%2.00%$1,500
48 Month1.99%2.00%$5,000
60 Month1.99%2.00%$5,000
18 Month Variable IRA +1.00%1.00%$100
Other terms available upon request.

Money Markets and Savings

Capital Money Market~+

Interest RateAnnual Percentage Yield*Minimum to Open
More than $500,0002.25%2.27%$10,000
$100,000 - $500,0002.00%2.02%$10,000
$50,000 - $99,999.991.50%1.51%$10,000
$10,000 - $49,999.990.50%0.50%$10,000
Less than $10,0000.01%0.01%$10,000

Super Money Market~+

Interest RateAnnual Percentage Yield*Minimum to Open
$100,000 or more0.75%0.75%$2,500
$50,000 and $99,999.990.50%0.50%$2,500
$25,000 - $49,999.990.25%0.25%$2,500
$10,000 - $24,999.990.15%0.15%$2,500
Less Than $10,0000.02%0.02%$2,500

Simply Savings~+

Interest RateAnnual Percentage Yield*Minimum to Open
$250,000 or more0.50%0.50%$50
$100,000 - $249,999.990.35%0.35%$50
$25,000 - $99,999.990.15%0.15%$50
Less than $25,0000.03%0.03%$50

Checking~+

Capital Interest Checking~+

Interest RateAnnual Percentage Yield*Minimum to Open
$100,000 or more0.25%0.25%$50
$25,000 - $99,999.990.10%0.10%$50
$10,000 - $24,999.990.05%0.05%$50
$2,500 - $9,999.990.03%0.03%$50
Less than $2,5000.02%0.02%$50

Health Savings Account (HSA) Checking~+

Interest RateAnnual Percentage Yield*Minimum to Open
$25,000 or more0.07%0.07%$50
$10,000 - $24,999.990.05%0.05%$50
$2,500 - $9,999.990.03%0.03%$50
Less than $2,5000.02%0.02%$50

Business Checking with Interest~+

Interest RateAnnual Percentage Yield*Minimum to Open
$100,000 or more0.25%0.25%$50
$25,000 - $99,999.990.10%0.10%$50
Less than $25,0000.02%0.02%$50
*APY: Annual Percentage Yield
See account disclosures for additional account information
~Fees could reduce account earnings
+Rate may change after account opening
^A penalty may be imposed for early withdrawal

Terms and Conditions

CD Interest

Interest is compounded and credited quarterly on all certificates of deposit with the exception of the 3 month, which is credited at maturity.

CD Early Withdrawal Penalty

Term of 0 to 90 days: lesser of 30 days of interest earned on amount withdrawn or 100% of accrued interest.

Term of 91 days through 12 months: penalty equal to 90 days interest.

Term of more than 12 months up to 36 months: penalty equal to 180 days interest.

Term of 36 months or more: penalty equal to 365 days interest.