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Deposit Rates

Designed with you in mind.

Effective Date: February 27, 2024

 

Make the most of your short-term investment with these great rates!

 

Product APY* Interest Rate Minimum / Maximum Deposits (if applicable)
13 Day CD† 3.00% 2.96% $50,000 Minimum Deposit to earn APY
8 Month CD** 5.00% 4.89% $2,000 Minimum Deposit to earn APY
8 Month CD Passkey*** 5.25% 5.13% $2,000 Minimum Deposit to earn APY
10 Month IRA¹ 4.50% 4.41% $1,000 Minimum Deposit to open and earn APY

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†The stated interest rate and APY will remain in effect until 2/29/2024.

*Annual Percentage Yield. A substantial penalty is imposed on premature withdrawals from certificates of deposits. Depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). Fees may reduce earnings. For complete details on any of our deposit products, contact a Personal Banker for assistance at 603.934.4445 or 1.800.372.4445.

**The 8 month CD is not available as an IRA. A $2,000 minimum deposit is required to open this account and obtain the stated APY. Annual percentage yield is effective 1/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

***The 8 month CD Passkey is available to Passkey customers only. It is not available as an IRA. A $2,000 minimum deposit is required to open this account and obtain the stated APY. Annual percentage yield is effective 1/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

¹The 10 month IRA is only available as an IRA and cannot be upgraded to another IRA product. A $1,000 minimum deposit is required to open this account and obtain the stated APY. Annual percentage yield is effective 1/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

 

Effective Date: February 27, 2024

Product APY* Interest Rate Minimum Balance to Earn APY
7 Day 0.05% 0.05% $5,000.00
10 Day 0.08% 0.08% $5,000.00
13 Day 3.00% 2.96% $5,000.00
91 Day 0.05% 0.05% $2,000.00
0.08% 0.08% $10,000.00
182 Day 0.05% 0.05% $2,000.00
0.10% 0.10% $10,000.00
One Year 0.12% 0.12% $2,000.00
0.15% 0.15% $10,000.00
Two Year 0.20% 0.20% $2,000.00
0.25% 0.25% $10,000.00
Three Year 0.30% 0.30% $1,000.00
Five Year 0.40% 0.40% $1,000.00 Minimum deposit
Five Year Smart CD 0.15% 0.15% $100.00

*Annual Percentage Yield. A substantial penalty is imposed on premature withdrawals from certificates of deposits. Depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). Fees may reduce earnings. For complete details on any of our deposit products, contact a Personal Banker for assistance at 603.934.4445 or 1.800.372.4445.

**Rates are subject to change without notice.

†The stated interest rate and APY will remain in effect until 12/31/2023.

The 10 month IRA special is not available as a CD.

The 8 month CD is not available as and IRA.


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Effective Date: February 27, 2024

Product APY* Interest Rate Minimum Balance to Earn APY
Variable Rate IRA 0.20% 0.20% $50,000.00
0.15% 0.15% $15,000.00
0.10% 0.10% $10.00

Minimum deposit to open a Fixed Rate IRA is $500 for 3- through 5-Year terms and $1,000 for any term under 3 Years.  Choose from the Certificates of Deposit term options for a Fixed Rate IRA.

* Annual Percentage Yield. APYs for deposit instruments with no maturities or maturities of less than one year assume reinvestment at original rate for one year. Interest is earned and compounded monthly. Interest rates are subject to change without notice. Regular fees or other conditions could reduce the yield. For details, review our Truth in Savings Disclosures.

The 10 month IRA special is not available as a CD.

The 8 month CD is not available as an IRA.

 

 

Effective Date: February 27, 2024

Product APY* Interest Rate Minimum Balance to Earn APY
Lakes Money Market Plus – with FSB Checking 0.65% 0.65% $250,000.00+
0.55% 0.55% $150,000.00
0.45% 0.45% $75,000.00
0.30% 0.30% $25,000.00
0.15% 0.15% $2,500.00
0.10% 0.10% $0.01
Money Market Advantage 0.30% 0.30% $75,000.00+
0.20% 0.20% $25,000.00
0.07% 0.07% $2,500.00
0.05% 0.05% $0.01

* Annual Percentage Yield


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Effective Date: February 27, 2024

Product APY* Interest Rate Minimum Balance to Earn APY
Premium Health Savings Accounts (HSA) 0.25% 0.25% $25,000.00
0.15% 0.15% $10,000.00
0.10% 0.10% $2,500.00
0.05% 0.05% $1,000.00
0.05% 0.05% $0.01
Kids’ Account 0.03% 0.03% $0.50
Statement Savings 0.07% 0.07% $5,000.00
0.05% 0.05% $100.00

* Annual Percentage Yield


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Effective Date: February 27, 2024

Product APY* Interest Rate Minimum Balance to Earn APY
Choice Checking 0.01% 0.01% Varies
PassKey Checking 0.01% 0.01% Varies
All Others (when applicable) 0.01% 0.01% Varies
Interest on Lawyers Trust Accounts (IOLTA) 2.00% 2.00% Varies

* Annual Percentage Yield


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