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Current Rates

Certificates of Deposit

Product APY* Interest Rate Compounded Min. Deposit
6 Month 0.40% 0.40% Quarterly $500.00
1 Year 0.60% 0.60% Quarterly $500.00
19-Month Special 2.67% 2.70% Monthly** $5000.00
2 Year 0.75% 0.75% Quarterly $500.00
3 Year 0.85% 0.85% Quarterly $500.00
4 Year 0.95% 0.95% Quarterly $500.00
5 Year 1.05% 1.05% Quarterly $500.00
5 Year Bump Up 1.05% 1.05% Quarterly $500.00

A penalty may be imposed for early withdrawals.

IRA Accounts

Product APY* Interest Rate Compounded Min. Deposit
IRA 18 Month (Variable rate) 0.60% 0.60% Quarterly $500.00
IRA 24 Month (Fixed rate) 0.75% 0.75% Quarterly $500.00
IRA 36 Month (Fixed rate) 0.85% 0.85% Quarterly $500.00
IRA 60 Month (Fixed rate) 1.05% 1.05% Quarterly $500.00


A penalty may be imposed for early withdrawals.

Savings Accounts

Product APY* Interest Rate Compounded Min. Deposit
Statement Savings 0.10% 0.10% Quarterly $100.00
Lazy River Kids Club Savings $5000.00 and over 0.15% 0.15% Quarterly $25.00
Lazy River Kids Club Savings $25.00 to $5000.00 0.51% 0.51% Quarterly $25.00

MMDA Accounts

Product APY* Interest Rate Compounded Min. Deposit
MMDA Regular & Business $500.00 to $2,499.99 0.01% 0.01% Monthly $2,500.00
MMDA Regular & Business  $2,500.00 to $24,999.99 0.05% 0.05% Monthly $2,500.00
MMDA Regular & Business  $25,000.00 to $49,999.99 0.10% 0.10% Monthly $25,000.00
MMDA Regular & Business  $50,000.00 to $99,999.99 0.15% 0.15% Monthly $50,000.00
MMDA Regular & Business  $100,000.00 & over 0.20% 0.20% Monthly $100,000.00
Premium MMDA under $100,000 0.30% 0.30% Monthly $50,000.00 *New Money Only* Call Bank for Information
Premium MMDA $100,000 and over 0.35% 0.35% Monthly $100,000.00 *New Money Only* Call Bank for Information


Checking Accounts

Product APY* Interest Rate Compounded Min. Deposit
Your Choice Checking - Premium (No minimum to earn interest) 0.05% 0.05% Monthly $100.00
SUPER NOW $1,000.00 to $2,499.99 0.05% 0.05% Monthly $1,000.00
SUPER NOW $2500.00 & over 0.10% 0.10% Monthly $2,500.00

Your Choice Checking - Rewards - Qualified Balances up to $15,000.00

*Restrictions Apply, See Customer Service for Details

4.07% 4.00% Monthly $100.00

Your Choice Checking - Rewards  - Qualified Balances OVER $15,000     *Restrictions Apply, See Customer Service for Details

0.10% 0.10% Monthly $100.00
Your Choice Checking - Rewards  - Non-Qualified Balances $0 to $2500.00  *Restrictions Apply, See Customer Service for Details 0.05% 0.05% Monthly $100.00
Your Choice Checking - Rewards - Non-Qualified Balances OVER $2500 *Restrictions Apply, See Customer Service for Details 0.10% 0.10% Monthly $100.00
Health Savings Acct $0.00 to $4999.99 0.10% 0.10% Monthly $100.00
Health Savings Acct Qualified (See Customer Service for details) 1.50% 1.50% Monthly $100.00


*APY = Annual Percentage Yield APY is accurate as of – 07/28/2022 rates subject to change at bank’s discretion. Rates may change after the account is opened. Fees could reduce earnings on the account

**New Money Bonus - 2.77% Rate, 2.80% APY* for all new funds not currently on deposit with FMB.