Time Deposit Accounts
Non-Public Funds Only
 

Time Deposits
(CDs)

Minimum to
open

Interest
Rate

APY
 

91 Day

$1,000

.10%

.10%

182 Day

$1,000

.20%

.20%

12 Months

$1,000

.35%

.35%

18 Months

$1,000

.40%

.40%

24 Months

$1,000

.60%

.60%

36 Months

$1,000

.75%

.75%

48 Months

$1,000

1.00%

1.01%

60 Months

$1,000

1.09%

1.10%

60 Month Jump Rate

$1,000

.75%

.75%

Special CDs
(new money only)

Minimum
to open

Interest
Rate

APY
 

7 Month Special

$1,000

.25%

.25%

14 Month Special

$1,000

.35%

.35%

IRA Accounts

Minimum to open

Interest Rate

APY

18 Months

No minimum

.40%

.40%

36 Months

No minimum

.75%

.75%

60 Months*

No minimum

1.09%

1.10%

Fees may reduce earnings on these accounts—substantial penalty for early withdrawal.
*Cannot make further contributions.

Other Accounts  

Money Market Fund*

Minimum to open

Interest Rate

APY

$1,000-$4,999

$1,000

.05%

.05%

$5,000-$9,999

$1,000

.10%

.10%

$10,000-$49,999

$1,000

.15%

.15%

$50,000-$99,999

$1,000

.20%

.20%

$100,000-$999,999

$1,000

.20%

.20%

$1,000,000 and more

$1,000

.20%

.20%

KANZARewards

$100

   Tier 1 ($0.01-$10,000.00)

see above

1.98%

2.00%

   Tier 2 ($10,000.01 +)

see above

.50%

.50%

If KANZA Rewards qualifications are not met*

see above

.05%

.05%

Interest Checking**

$1,000

.05%

.05%

Relationship Checking***

$100

.05%

.05%

Passbook Savings

$100

.10%

.10%

*Qualifications include (1) 12 debit card purchases which must post and clear per qualification cycle (2) one direct deposit or automatic payment that posts and clears per qualification cycle AND (3) receive e-statements. Available to personal accounts only.
** You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed APY. 
*** You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed APY.  Fees may reduce earnings on these accounts.  Rates on “other accounts”mentioned above are subject to change without prior notice. Please ask a customer service representative for further details.