Interest Rates

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INTEREST RATES    
***These rates are effective March 22, 2018 and are subject to change without notice.
*Daily balance (the amount of principal in the account each day).
*There is a substantial penalty for early withdrawal on CD’s.
*A withdrawal, interest rate change or imposition of fees will reduce earnings.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
Account TypeMinimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
Homeowners Checking Account$100.00$2,500.000.05%0.05%
NOW Account$500.00$500.000.10%0.10%
Super NOW Account
Daily balance of less than $2,500$2,500.00 $2,500.000.15%0.15%
Daily balance of more than $2,500$2,500.00 $2,500.000.20%0.20% 
Money Market Account
Daily balance of less than $2,500$2,500.00 NONE0.00%0.00%
Daily balance $2,500 to $9,999.99$2,500.00 $2,500.00 0.05%0.05%
Daily balance $10,000 to $19,999.99$2,500.00 $10,000.000.15%0.15%
Daily balance $20,000 to $49,999.99$2,500.00 $20,000.000.20%0.20%
Daily balance $50,000 to $99,999.99$2,500.00 $50,000.000.25%0.25%
Daily balance of $100,000 or more$2,500.00 $100,000.000.30%0.30%
Health Checking Account
Daily balance of less than $5,000$100.00$100.000.05%0.05%
Daily balance of more than $5,000$100.00$100.000.15%0.15%
Savings Account$100.00$100.000.15%0.15%
Christmas ClubNONENONE0.15% 0.15% 
3-month CD$2,500.00$2,500.000.25%
SHC - 0.50%
0.25%
SHC - 0.50%
6-month CD$2,500.00$2,500.000.45%
SHC - 0.70%
0.45%
SHC - 0.70%
1-year CD$500.00$500.000.90%
SHC - 1.145%
0.90%
SHC - 1.15%
1 ½-year CD$500.00$500.001.00%
SHC - 1.24%
1.00%
SHC - 1.25%
2-year CD$500.00$500.001.74%
SHC - 1.985%
1.75%
SHC - 2.00%
2 ½-year CD$500.00$500.001.19%
SHC - 1.44%
1.20%
SHC - 1.45%
4-year CD$500.00$500.001.985%
SHC - 2.23%
2.00%
SHC - 2.25%
5-year CD$500.00$500.002.08%
SHC - 2.33%
2.10%
SHC - 2.35%
18-month IRA CD$500.00$500.001.00%1.00%
48-month IRA CD$500.00$500.001.99%2.00%
60-month IRA CD$500.00$500.002.09%2.10%
18-month IRA Builder CD$50.00$50.000.25%0.25%
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