Current Deposit Rates

Rates effective   unless otherwise noted.

Choose a Product Rate

Checking Accounts

Chairman’s Choice Checking Account

Account Type

Interest RateAPY

Premium Rate

   
$0 - $25,000 0.25% 0.25%
$25,001 & Over 0.15% 0.15%
Traditional Interest Checking Accounts
Account TypeInterest RateAPY
Peoples Checking** 0.05% 0.05%
Community Plus Checking** 0.07% 0.07%
New Freedom** 0.05% 0.05%
New Freedom Choice (High Interest Checking)
Account TypeInterest RateAPY
Premium Rate if Qualified (see account details)    
$0 - $25,000 1.98% 2.00%
$25,001 & Over 0.25% 0.25%
Standard Rate    
Do not qualify  0.05% 0.05%

Savings Accounts

Savings Accounts
Account TypeInterest RateAPY
Statement Savings** 0.25% 0.25%
Health Savings Account** 0.50% 0.50%

Club Accounts

Christmas Club
Account TypeInterest RateAPY
Coupon Book 0.20% 0.20%
Auto Transfer 0.25% 0.25%
Kids Club
Account TypeInterest RateAPY
$0.00 - $500.00 1.000% 1.005%
$501.00 & Over 0.25% 0.25%
 Vacation Club
Account TypeInterest RateAPY
Vacation Club 0.25% 0.25%

Money Market Accounts

Traditional Money Market Accounts
Account TypeInterest RateAPY
Money Market Deposit Account** 0.25% 0.25%
Premium Money Market Accounts
Account TypeInterest RateAPY
$0.01 - $24,999.99 0.25% 0.25% - 0.25%
$25,000.00 - $49,999.99 0.50% 0.25% - 0.38%
$50,000.00 - $99,999.99 1.00% 0.38% - 0.69%
$100,000.00 - $249,999.99 1.25% 0.69% - 1.03%
$250,000.00 - $499,999.99 2.00% 1.03% - 1.53%
$500,000.00 and Over 2.00%

1.53 - 1.69%*

*(APY Calculation is based on assumed deposit of $750,000)

Certificates of Deposit (CDs)

Certificates of Deposit (CDs)
Account TypeInterest RateAPY
7-31 Day Certificate 0.75% 0.75%
32-181 Day Certificate 1.00% 1.005%
6 Month Certificate 1.24% 1.25%
12 Month Certificate 1.49%

1.50%

15 Month Certificate 1.49% 1.50%
15 Month Bump-Up CD 1.49% 1.50%
18 Month Certificate 1.49% 1.50%
24 Month Certificate 1.49% 1.50%
30 Month Certificate 1.49% 1.50%
36 Month Certificate 1.49% 1.50%
48 Month Certificate 1.49% 1.50%
60 Month Certificate 1.49% 1.50%

Individual Retirement Accounts (IRAs)

Individual Retirement Accounts (IRAs)
Account TypeInterest RateAPY
12 Month IRA 2.47% 2.50%
18 Month IRA 2.47% 2.50%
24 Month IRA 1.73% 1.75%
30 Month IRA 1.73% 1.75%
36 Month IRA 1.73% 1.75%
48 Month IRA 1.73% 1.75%
60 Month IRA 1.73% 1.75%
Variable Rate Savings IRA** 0.50% 0.50%

IOLTA Accounts

Interest on Lawyer Trust Accounts
Account TypeInterest RateAPY
IOLTA-TN ** 0.05% 0.05%
IOLTA-VA ** 0.05% 0.05%
IOLTA-WV ** 0.05% 0.05%

Rates effective   unless otherwise noted.

** Variable Rate Account - Rates may change after accounts are opened. Note regarding CDs:
1. Fees and withdrawals could reduce the earnings on accounts.
2. A penalty may be imposed for early withdrawal.
3. CD interest will be compounded daily.
*APY = Annual Percentage Yield. Our rates are updated weekly.