Earn high interest, no matter your balance. As the only locally owned bank in our community, we make sure to reward you.



Key Features

  • Competitive interest
  • No Monthly Maintenance Fee
  • No Minimum Balance Requirements
  • Free Digital Banking
  • Free checking that pays high interest
  • 4.07% APY* on balances up to $25,000
  • 2.27% APY on balances over $25,000 depending on balance in account*
  • 1.01% APY* if qualifications aren't met
  • Unlimited ATM refunds nationwide**
  • Link to Real Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free Mastercard® debit card
  • $100 minimum deposit to open

It’s Easy to Earn Your Rewards

Just do a few simple things you're probably already doing. Enrollments must be in place and all of the following transactions and activities must post and settle to your account during each Monthly Qualification Cycle:

  • At least 10 debit card purchases
  • At least one direct deposit, ACH credit, or ACH payment transaction
  • Be enrolled in and agree to review eStatements

And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Overdraft Disclosures

No interest paid if account closes before monthly qualification cycle date. Also, no overdraft fees will be waived or refunded on this account.

*Annual Percentage Yield APY accurate as of 9/1/2023. Rate tiers are as follows: 4.07% APY applies to balances of $.01 - $25,000 and 2.27% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 1.01% APY applies to all balances if monthly qualifications are not met. All balances will earn 2.27% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions.

**ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle.

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