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Savings Rates
Rates for CDs, IRAs, and traditional Savings accounts.
Checking Rates
Rewards checking, high yield checking, and Health Savings.
Loan Rates
Home Equity and Consumer Loans.
Business Rates
Money Market, IOLTA/RAHF Checking, & Earning CreditSavings
CDs & IRAs
Term |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| 91 days (CD Only) | 0.15% | $500.00 |
| 6 month | 2.00% | $500.00 |
| 7 Month Special (CD Only) | 4.00% | $100,000 |
| 12 month | 0.50% | $500.00 |
| 13 Month Special | 3.75% | $500.00 |
| 17 Month Jumbo Special (CD Only) | 4.25% | $750,000 |
| 18 month | 3.25% | $500.00 |
| 24 month | 3.80% | $500.00 |
| 36 month | 0.85% | $500.00 |
| 48 month | 0.95% | $500.00 |
| 60 month | 1.25% | $500.00 |
Effective as of November 21, 2024
IRAs not available to open online. All CDs except the 91 Day, 7 Month Special, 13 Month Special and the 17 Month Jumbo Special are available to open online.
Rates are subject to change without notice. Minimum deposit to open and minimum average daily balance to obtain Annual Percentage Yield is $500.00, with the exception of the 7 Month Special, which is $100,000 and 17 Month Jumbo Special which is $750,000.
The Annual Percentage Yield assumes interest remains on deposit until maturity and that a withdrawal will reduce earnings. A penalty may be applied for early withdrawals. If any of the principal is withdrawn before the maturity date, federal law may require that a penalty be imposed equal to at least seven (7) days' simple interest. For variable rate accounts, this penalty will be calculated using the rate in effect at the time of the withdrawal.
18 Month Hassle Free Tiered CD
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $75,000 or more | 0.15% | $500.00 |
| $25,000 - $74,999.99 | 0.10% | $500.00 |
| $500.00 - $24,999.99 | 0.05% | $500.00 |
Effective as of November 21, 2024
Rates are subject to change without notice. Minimum deposit to open and minimum average daily balance to obtain Annual Percentage Yield is $500.00. The Annual Percentage Yield assumes interest remains on deposit until maturity and that a withdrawal will reduce earnings. There is no bank penalty for early closure during the initial term. However, if any of the principal is withdrawn before the maturity date, federal law may require that a penalty be imposed equal to seven (7) days' simple interest. For variable rate accounts, this penalty will be calculated using the rate in effect at the time of the withdrawal.
Statement Savings
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $25.00 | 0.10% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open is $1.00 and minimum average daily balance to obtain Annual Percentage Yield is $25.00. Six preauthorized transfers are permitted per month if you receive your statements quarterly. However if you receive a monthly statement, six preauthorized transactions are permitted per statement cycle. Excessive transactions may result in additional fees and/or closure of the account.
Grow & Go Savings
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $500,000 or more | 1.75% | $10,000 |
| $250,000 - $499,999.99 | 1.50% | $10,000 |
| $75,000 - $249,999.99 | 1.25% | $10,000 |
| $50,000 - $74,999.99 | 1.00% | $10,000 |
| $25,000 - $49,999.99 | 0.35% | $10,000 |
| $10,000 - $24,999.99 | 0.20% | $10,000 |
| $25.00 - $9,999.99 | 0.10% | $10,000 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open is $10,000 and the minimum average daily balance to obtain Annual Percentage Yield is $25.00. Six preauthorized transfers are permitted per month if you receive your statements quarterly. However if you receive a monthly statement, six preauthorized transactions are permitted per statement cycle. Excessive transactions may result in additional fees and/or closure of the account.
Checking
Make Cents Checking
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $10,000 or more | 0.05% | $1.00 |
| $25 - $9,999.99 | 0.02% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open is $1.00 and minimum average daily balance to earn Annual Percentage Yield is $25.00. Paper Statement Fee is $5.00. However, this fee may be waived if eStatements are selected instead of paper statements. A combination of 5 checks paid or bill payments processed per cycle are allowed. $1.00 per item will be charged after the first 5. Any fees could reduce earnings.
Make ChangeSM Checking
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $10,000 or more | 0.05% | $1.00 |
| $25 - $9,999.99 | 0.02% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open is $1.00 and minimum average daily balance to earn Annual Percentage Yield is $25.00. Paper Statement Fee is $5.00. However, this fee may be waived if eStatements are selected instead of paper statements. A combination of 5 checks paid or bill payments processed per cycle are allowed. $1.00 per item will be charged after the first 5. Any fees could reduce earnings.
Champion Checking
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| High Tier: With One ACH Deposit That Posts And Clears Per Statement Cycle | ||
| $5,000,000 or more | 0.75% | $1.00 |
| $500,000 - $4,999,999.99 | 1.25% | $1.00 |
| $250,000 - $499,999.99 | 1.00% | $1.00 |
| $100,000 - $249,999.99 | 0.75% | $1.00 |
| $50,000 - $99,999.99 | 0.50% | $1.00 |
| $10,000 - $49,999.99 | 0.35% | $1.00 |
| $25 - $9,999.99 | 0.15% | $1.00 |
| Low Tier: Without ACH Deposit That Posts And Clears Per Statement Cycle | ||
| $5,000,000 or more | 0.20% | $1.00 |
| $500,000 - $4,999,999.99 | 0.25% | $1.00 |
| $250,000 - $499,999.99 | 0.25% | $1.00 |
| $100,000 - $249,999.99 | 0.20% | $1.00 |
| $50,000 - $99,999.99 | 0.15% | $1.00 |
| $10,000 - $49,999.99 | 0.10% | $1.00 |
| $25 - $9,999.99 | 0.05% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open is $1.00 and minimum average daily balance to earn Annual Percentage Yield is $25.00. Any fees could reduce earnings.
Health Savings Account (HSA Checking)
Save for qualified medical expenses for you and your family.
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $25.00 | 0.01% | N/A |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. No opening deposit is required; however account must be funded within 90 days of opening. Paper statement fee is $5.00 per month. However, may be waived if eStatements are selected instead of paper statements. The minimum average daily balance to obtain Annual Percentage Yield is $25.00. Must be enrolled in a high deductible health plan to qualify. Any fees could reduce earnings.
Money Market Checking
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $250,000 or more | 0.15% | $1.00 |
| $100,000 - $249,999.99 | 0.15% | $1.00 |
| $50,000 - $99,999.99 | 0.15% | $1.00 |
| $25,000 - $49,999.99 | 0.10% | $1.00 |
| $10,000 - 24,999.99 | 0.10% | $1.00 |
| $5,000 - $9,999.99 | 0.05% | $1.00 |
| $25 - $4,999.99 | 0.01% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open is $1.00 and minimum average daily balance to earn Annual Percentage Yield is $25.00. Any fees could reduce earnings.
Champion Money Market
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $100,000 or more | 2.50% | $1.00 |
| $50,000-$99,999.99 | 2.25% | $1.00 |
| $25,000-49,999.99 | 2.00% | $1.00 |
| $10,000-$24,999.99 | 0.50% | $1.00 |
| $25-$9,999.99 | 0.25% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. An average daily balance of $5,000.00 is required to avoid a monthly maintenance service charge of $8.00. Minimum average daily balance to obtain Annual Percentage Yield is $25.00 Any fees could reduce earnings.
Loans
Home Equity Line of Credit
No Application Fee | No Closing Costs*
Term |
Annual Percentage Rate (APR) |
Minimum Loan Amount |
| Revolving Line of Credit | 7.75% | $10,000 |
Effective as of November 21, 2024
*No closing costs, but property and hazard insurance required, plus flood insurance if applicable. Excludes expenses for unusual or extraordinary property appraisals or title issues, generally totaling between $0.00 and $375.00. Minimum credit line is $10,000. Penalty for early termination. Other restrictions may apply. Offer of credit is subject to approval. Rates are subject to change without notice. Maximum APR is 18.00%.
Mortgages
For today's rates call (207) 221-8474.
Business
FlexSmart Money Market
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $250,000 or more | 2.32% | $1.00 |
| $1,000-$249,999.99 | 2.32% | $1.00 |
| $0.00 - $999.99 | 0.00% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open account is $1.00 and minimum average daily balance to obtain Annual Percentage Yield is $1,000.00. By Federal Regulation, six preauthorized transfers are permitted per statement cycle. Conversion to a transaction account or account closure may be required if transaction limitations are exceeded. Accounts closed within first six months of opening will be charged $150.00. Any fees could reduce earnings.
Business Money Market - Tiered
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $250,000 or more | 0.50% | $1.00 |
| $100,000 - $249,999.99 | 0.40% | $1.00 |
| $50,000 - $99,999.99 | 0.30% | $1.00 |
| $25,000 - $49,999.99 | 0.15% | $1.00 |
| $10,000 - $24,999.99 | 0.10% | $1.00 |
| $5,000 - $9,999.99 | 0.05% | $1.00 |
| $25 - $4,999.99 | 0.01% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open account is $1.00 and minimum average daily balance to obtain Annual Percentage Yield is $25.00. By Federal Regulation, six preauthorized transfers are permitted per statement cycle. Conversion to a transaction account or account closure may be required if transaction limitations are exceeded. Fees may reduce earnings.
Premier Business Money Market
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $1,000,000 or more | 1.25% | $1.00 |
| $500,000 - $999,999.99 | 1.00% | $1.00 |
| $250,000 - $499,999.99 | 0.75% | $1.00 |
| $100,000 - $249,999.99 | 0.50% | $1.00 |
| $50,000 - $99,999.99 | 0.25% | $1.00 |
| $10,000 - $49,999.99 | 0.10% | $1.00 |
| $25 - $9,999.99 | 0.01% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open account is $1.00 and minimum average daily balance to obtain Annual Percentage Yield is $25.00. By Federal Regulation, six preauthorized transfers are permitted per statement cycle. Conversion to a transaction account or account closure may be required if transaction limitations are exceeded. Fees may reduce earnings.
IOLTA & RAHF Checking
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $25.00 | 1.00% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open account is $1.00 and minimum average daily balance to obtain Annual Percentage Yield is $25.00. Fees could reduce earnings.
Business Checking Earnings Credit
Leverage your checking account balances to reduce or eliminate service charges
Average Daily Balance |
Interest Rate |
Minimum Deposit To Open |
| $25.00 | 0.40% | N/A |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. An average daily balance of $25.00 is required to earn this credit.
Business Rate Checking
Average Daily Balance |
Annual Percentage Yield (APY) |
Minimum Deposit To Open |
| $1,000,000 or more | 0.20% | $1.00 |
| $500,000 - $999,999.99 | 0.15% | $1.00 |
| $250,000 - $499,999.99 | 0.10% | $1.00 |
| $25.00 - $249,999.99 | 0.05% | $1.00 |
Effective as of November 21, 2024
Rates are subject to change without notice and may change after account opening. Minimum deposit to open account is $1.00 and minimum average daily balance to obtain Annual Percentage Yield is $25.00. A $10.00 monthly maintenance service charge applies. Check paid fee is $0.16 per item. Deposits and items deposited fee is $0.12 per item. Fees may reduce earnings.