Certificates of Deposit
Rates effective as of May 4, 2023.
Penalty for early withdrawal.
CD minimum opening deposit: $1,000.
| Account Type | Interest Rate | APY* |
| 3 Month | 3.00% | 3.03% |
| 6 Month | 3.25% | 3.28% |
| 1 Year** | 3.50% | 3.53% |
| 2 Year** | 3.00% | 3.02% |
| 3 Year** | 3.00% | 3.03% |
| 4 Year** | 2.75% | 2.77% |
| 5 Year** | 2.75% | 2.77% |
* APY = Annual Percentage Yield
**Interest Compounds Semi-Annually
Checking
Rates effective as of May 4, 2023.
Rates subject to change without notice after the account is opened.
Fees could reduce earnings.
NOW Account minimum opening deposit: $750.
Elite VIP minimum opening deposit: $1,000.
| Account Type | Interest Rate | APY* |
| NOW | 0.15% | 0.15% |
| Elite VIP | 0.25% | 0.25% |
* APY = Annual Percentage Yield
Money Market
Rates effective as of May 4, 2023.
Rates subject to change without notice after the account is opened.
Fees could reduce earnings.
Money Market minimum opening deposit: $2,500.
| Account Balance | Interest Rate | APY* |
| Up to $10,000 | 0.25% | 0.25% |
| $10,000 to $25,000 | 0.40% | 0.40% |
| $25,000 or more | 0.50% | 0.50% |
* APY = Annual Percentage Yield
Savings
Rates effective as of May 4, 2023.
Rates subject to change without notice after the account is opened.
Fees could reduce earnings.
Passbook Savings Account minimum opening deposit: $100.
Kids Klub Savings Account minimum opening deposit: $1.
| Account Type | Interest Rate | APY* |
| Passbook Savings Account | 0.25% | 0.25% |
| Kid’s Klub Savings Account | 0.25% | 0.25% |
* APY = Annual Percentage Yield
Individual Retirement Account
Rates effective as of May 4, 2023.
Penalty for early withdrawal.
IRA minimum opening deposit: $50.
| Account Type | Interest Rate | APY* |
| IRA-1 Year | 3.50% | 3.53% |
* APY = Annual Percentage Yield
Health Savings Account
Rates effective as of May 4, 2023.
HSA minimum opening deposit: $50.
| Account Type | Interest Rate | APY* |
| HSA | 0.25% | 0.25% |
* APY = Annual Percentage Yield
** CDs to get monthly interest checks must be credited to an account at Adrian Bank (checking or savings)
