Interest Rates

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INTEREST RATES    
***These rates are effective July 21, 2016 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 0.10%0.10%
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 $100,000.000.35%0.35%
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$100.000.10%0.10%
Savings Account$100.00$100.000.10%0.10%
Christmas ClubNONENONE0.15% 0.15% 
3-month CD$2,500.00$2,500.000.05%
SHC - 0.30%
0.05%
SHC - 0.30%
6-month CD$2,500.00$2,500.000.10%
SHC - 0.35%
0.10%
SHC - 0.35%
1-year CD$500.00$500.000.50%
SHC - 0.75%
0.50%
SHC - 0.75%
1 ½-year CD$500.00$500.000.55%
SHC - .80%
0.55%
SHC - .80%
2-year CD$500.00$500.000.65%
SHC - 0.90%
0.65%
SHC - 0.90%
2 ½-year CD$500.00$500.001.10%
SHC - 1.34%
1.10%
SHC - 1.35%
4-year CD$500.00$500.000.85%
SHC - 1.10%
0.85%
SHC - 1.10%
5-year CD$500.00$500.001.49%
SHC - 1.74%
1.50%
SHC - 1.75%
18-month IRA CD$500.00$500.000.45%0.45%
48-month IRA CD$500.00$500.001.10%1.10%
60-month IRA CD$500.00$500.001.59%1.60%
18-month IRA Builder CD$50.00$50.000.25%0.25%
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