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Checking Accounts

Chairman's Choice Checking Account
Account Type Interest Rate APY
Premium Rate    
$0 - $25,000 0.25% 0.25%
$25,001 & Over 0.10% 0.10%
Traditional Interest Checking Accounts
Account Type Interest Rate APY
Peoples Checking** 0.10% 0.10%
Community Checking** 0.10% 0.10%
New Freedom** 0.10% 0.10%
New Freedom Choice (High Interest Checking)
Account Type Interest Rate APY
Premium Rate    
$0 - $25,000 1.00% 1.01%
$25,001 & Over 0.10% 0.10%
Standard Rate    
$1,000 & Over 0.10% 0.10%

Savings Accounts

Savings Accounts
Account Type Interest Rate APY
Statement Savings** 0.10% 0.10%
Health Savings Account** 0.25% 0.25%

Club Accounts

Christmas Club
Account Type Interest Rate APY
Coupon Book 0.10% 0.10%
Auto Transfer 0.25% 0.25%
Kids Club
Account Type Interest Rate APY
$0.00-$500.00 1.00% 1.01%
$501.00 & Over 0.10% 0.10%
Vacation Club
Account Type Interest Rate APY
  0.05% 0.05%

Money Market Accounts

Traditional Money Market Accounts
Account Type Interest Rate APY
Money Market Deposit Account** 0.20% 0.20%
Premium Money Market Accounts
Account Type Interest Rate APY
$10,000.00 - 24,999.99 0.20% 0.20% - 0.20%
$25,000.00 - 49,999.99 0.25% 0.20% - 0.23%
$50,000.00 - 99,999.99 0.55% 0.23% - 0.39%
$100,000.00 - 249,999.99 0.70% 0.39% - 0.58%
$250,000.00 - $499,999.99 1.58% 0.58% - 1.08%
$500,000.00 and Over 1.68% 1.08% - 1.08%

Certificates of Deposit (CDs)

Certificates of Deposit (CDs)
Account Type Interest Rate APY
7-31 Day Certificate 0.15% 0.15%
32-181 Day Certificate 0.25% 0.25%
6 Month Certificate 0.40% 0.40%
12 Month Certificate 0.55% 0.55%
15 Month Certificate 0.55% 0.55%
15 Month Bump-Up CD 0.55% 0.55%
18 Month Certificate 0.65% 0.65%
24 Month Certificate 0.75% 0.75%
30 Month Certificate 0.80% 0.80%
36 Month Certificate 1.04% 1.05%
48 Month Certificate 1.24% 1.25%
60 Month Certificate 1.44% 1.45%
Individual Retirement Accounts (IRAs)
Account Type Interest Rate APY
12 Month IRA 0.55% 0.55%
18 Month IRA 0.65% 0.65%
24 Month IRA 0.75% 0.75%
30 Month IRA 0.80% 0.80%
36 Month IRA 1.04% 1.05%
48 Month IRA 1.24% 1.25%
60 Month IRA 1.44% 1.45%
Variable Rate Savings IRA** 0.15% 0.15%

IOLTA Accounts

Traditional Money Market Accounts
Account Type Interest Rate APY
IOLTA-TN ** 0.10% 0.10%
IOLTA-VA ** 0.10% 0.10%
IOLTA-WV ** 0.10% 0.10%

Rates effective April 13, 2018 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.

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