ONLINE BANKING
Deposit Rates
Checking |
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Type |
Rate |
APY |
Interest Tier |
Minimum to Open |
| FREE RAMCheck | 0.000% | 0.00% | Entire Balance | $100 |
| Regular RAMCheck | 0.000% | 0.00% | Entire Balance | $100 |
| 55Plus RAMCheck | 0.000% | 0.00% | Entire Balance | $100 |
| Student RAMCheck | 0.000% | 0.00% | Entire Balance | $50 |
| FREE Business RAMCheck | 0.000% | 0.00% | Entire Balance | $100 |
| Premium Business RAMCheck | 0.000% | 0.00% | Entire Balance | $500 |
| Interest RAMCheck | 0.850% | 0.85% | Balances Over $2,000 | $300 |
| Premium RAMCheck | 1.250% | 1.26% | Balances Over $1,000 | $500 |
| RAM Money Market Tier 1 | 1.250% | 1.26% | $0.00 - $25,000 | $10,000 |
| RAM Money Market Tier 2 | 1.400% | 1.41% | $25,001 - $40,000 | $25,001 |
| RAM Money Market Tier 3 | 1.500% | 1.51% | $40,001 - $100,000 | $40,001 |
| RAM Money Market Tier 4 | 1.700% | 1.71% | $100,000+ | $100,001 |
| RAM Sweep | 1.000% | 1.01% | Entire Balance | $1.00 |
Savings |
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Type |
Rate |
APY |
Interest Tier |
Minimum to Open |
| RAMSave Passbook | 0.950% | 0.96% | Entire Balance | $25 |
| ChecklessRAM Trans PB - ATM/ACH | 0.750% | 0.75% | Balances Over $2,000 | $25 |
| IRA Passbook | 3.375% | 3.43% | Entire Balance | $25 |
| RAMSave Crayons to College Passbook | 2.250% | 2.28% | Entire Balance | $25 |
| Health RAMSave | 0.650% | 0.65% | $0.00 - $2,000 | $25 |
| Health RAMSave | 0.900% | 0.90% | $2,000 - $10,000 | $2,001 |
| Health RAMSave | 1.050% | 1.06% | $10,000+ | $10,001 |
| Christmas Club RAMSave | 2.200% | 2.20% | Entire Balance | 12 payments $10 |
Certificates |
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Type |
Rate |
APY |
Interest Tier |
Minimum to Open |
|
| Burial Trust Certificate | 4.675% | 4.786% | Variable Rate - Inquire Locally | None | |
| 45 day - 12 Month JUMBO CD | INQUIRE | VARIABLE | Variable APY - Term Dependent | $100,000 | |
| **JUMBOs with term >=1YR = XX year CD + 0.375%** | TERM +0.375% | VARIABLE | Variable APY - Term Dependent | $100,000 | |
| 91+ day CD | 2.250% | 2.269% | Entire Balance | $2,500 | |
| 6 month CD | 2.750% | 2.769% | Entire Balance | $1,000 | |
| 1 year CD | 3.950% | 4.029% | Entire Balance | $500 | |
| 18 month CD | 4.250% | 4.341% | Entire Balance | $500 | |
| 2 year CD | 3.375% | 3.432% | Entire Balance | $500 | |
| 3 year CD | 3.500% | 3.562% | Entire Balance | $500 | |
| 4 year CD | 3.600% | 3.665% | Entire Balance | $500 | |
| 5 year CD | 3.700% | 3.769% | Entire Balance | $500 | |
| 6 year CD | 3.900% | 3.977% | Entire Balance | $500 | |
| 8 year CD | 4.000% | 4.081% | Entire Balance | $500 | |
| Education IRA | Retirement accounts are based off of investments options shown above. Rates and terms are in accordance with investment that is chosen by you. | ||||
| Roth IRA | Retirement accounts are based off of investments options shown above. Rates and terms are in accordance with investment that is chosen by you. | ||||
| Keogh | Retirement accounts are based off of investments options shown above. Rates and terms are in accordance with investment that is chosen by you. | ||||
| IRA-Fixed | Retirement accounts are based off of investments options shown above. Rates and terms are in accordance with investment that is chosen by you. | ||||
IMPORTANT DISCLOSURE INFORMATION: Rates effective November 27, 2023
***THE ANNUAL PERCENTAGE YIELD (APY) SHOWN ASSUMES INTEREST REMAINS ON DEPOSIT UNITL MATURITY.
A WITHDRAWAL WILL REDUCE EARNINGS.
***FEES ASSESSED ON SOME OF THE ACCOUNTS LISTED ABOVE COULD REDUCE EARNINGS.
***ASK A BANK EMPLOYEE ABOUT THE FEES AND TERMS APPLICABLE ON THESE ACCOUNTS.
***EARLY WITHDRAWAL OF A CERTIFICATE OF DEPOSIT COULD RESULT IN LOSS OF PRINCIPAL.
