Interest Rates

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INTEREST RATES    
***These rates are effective February 7, 2019 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 0.15%0.15%
Daily balance $10,000 to $19,999.99$2,500.00 $10,000.000.30%0.30%
Daily balance $20,000 to $49,999.99$2,500.00 $20,000.000.40%0.40%
Daily balance $50,000 to $99,999.99$2,500.00 $50,000.000.50%0.50%
Daily balance of $100,000 or more$2,500.00 $100,000.000.70%0.70%
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$100.000.20%0.20%
Christmas ClubNONENONE0.15% 0.15% 
3-month CD$2,500.00$2,500.000.60%
SHC - 0.85%
0.60%
SHC - 0.85%
6-month CD$2,500.00$2,500.001.89%
SHC - 2.13%
1.90%
SHC - 2.15%
1-year CD$500.00$500.002.13%
SHC - 2.38%
2.15%
SHC - 2.40%
1 ½-year CD$500.00$500.002.18%
SHC - 2.43%
2.20%
SHC - 2.45%
2-year CD$500.00$500.002.23%
SHC - 2.48%
2.25%
SHC - 2.50%
2 ½-year CD$500.00$500.002.13%
SHC - 2.38%
2.15%
SHC - 2.40%
4-year CD$500.00$500.002.28%
SHC - 2.53%
2.30%
SHC - 2.55%
5-year CD$500.00$500.002.48%
SHC - 2.72%
2.50%
SHC - 2.75%
18-month IRA CD$500.00$500.002.19%2.20%
48-month IRA CD$500.00$500.002.29%2.30%
60-month IRA CD$500.00$500.002.48%2.50%
18-month IRA Builder CD$50.00$50.000.25%0.25%
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