Personal Deposit Rates

Whether you are saving for a rainy day or a special occasion, we can help you grow your money with our personal deposit rates. Let us partner with you in your financial journey, and help you find the right account to suit your savings plan.


Rates are accurate as of Friday, February 3, 2023

CD Rates

Term
Compound Frequency
Great "Going" Rates
Best "Relationship" Rates*
RATE
APY
RATE
APY
182 Day
182 Day
.26%
.26%
.51%
.51%
12 month
6 month
.51%
.51%
.76%
.76%
18 month
6 month
.76%
.76%
.1.01%
1.01%
24 month
6 month
.91%
.91%
1.16%
1.16%
30 month
6 month
.91%
.91%
1.16%
1.16%
36 month
6 month
1.01%
1.01%
1.26%
1.26%
42 month
6 month
.91-1.31%
.91-1.31%
48 month
6 month
1.01%
1.01%
1.26%
1.26%
60 month
6 month
1.26%
1.26%
1.51%
1.51%

APY compounded semi-annually. Penalty for early withdrawal

 

IRA

Term
Compound Frequency
Great "Going" Rates
Best "Relationship" Rates*
RATE
APY
RATE
APY
Variable IRA
Daily
.51%
.51%
.51%
.51%
18 month IRA
6 month
2.74%
2.76%
2.99%
3.01%
42 month IRA
6 month
2.00%
2.01%
2.25%
2.26%

APY compounded semi-annually. Penalty for early withdrawal if not of age.

 

The Club, PrimeTimers' Club, & Club Gold

AmountRateAPY
$300 - $4,999.990.06%0.06%
$5,000 - $24,999.990.06%0.06%
$25,000 +0.11%0.11%

APY compounded daily. Variable Rate

 

Statement Savings & Smart Savers Club

AmountRateAPY
$50 - $24,999.990.06%0.06%
$25,000 +0.11%0.11%

APY compounded daily. Variable Rate

 

Holiday Club

 RateAPY
With automatic deduction1.00%1.00%
Without automatic deduction.75%.75%

Simple interest paid at end of term.  Automatic funds transfer from 1ST SUMMIT checking or savings account.

 

Personal and Non-profit Insured Money Market Accounts

AmountRateAPY
$300 - $24,999.99 balances0.06%0.06%
$25,000 - $99,999.99 balances0.06%0.06%
$100,000 - $199,999.99 balances0.11%0.11%
$200,000 - $499,999.990.21%0.21%
$500,000 - $999,999.99.75%.75%
$1,000,000 & over1.00%1.00%

APY compounded daily. Variable Rate

 

Advantage Plus Money Management

AmountRateAPY
AP MM $.01-$24,999.99
(existing APs only)
0.06%0.06%
AP MM $25,000 - $99,999.990.06%0.06%
AP MM $100,000 - $199,999.990.11%0.11%
AP MM $200,000 - $499,999.99.21%.21%
AP MM $500,000 - $999,999.99.75%.75%
AP MM $1,000,000 & over 1.00%1.00%

APY compounded daily. Variable rate. The above term A.P.Y. represents Annual Percentage Yield. Fees may reduce the earnings on the account. We may change the interest rate and A.P.Y after the account is opened for variable rate accounts.

 

Let's Talk About Your Savings Plan

 


*Relationship Rate: Available to customer who has four or more unique services with the bank. Services include Consumer Checking, Business Checking, Savings, Smart Savers Account, Money Market, Holiday Club, Certificate of Deposit, Credit Card Merchant Service, Mortgage Loan, Personal Line/Loan, VISA® Credit Card, Commercial Line/Loan, Trust/Estate, Brokerage, Safe Deposit Box. 

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