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Rates
View current rates for accounts and loans in one place. Check the latest information to help you compare options and make informed decisions.
Checking Account Rates
Now Checking:
Monthly compounding $750.00 minimum to open
Monthly compounding $750.00 minimum to open
0.02%
0.02%
Super Now Checking:
Monthly compounding, $2,500.00 minimum to open
Monthly compounding, $2,500.00 minimum to open
0.02% (Up to $2,499.99)
0.03% ($2,500 and above)
0.03% ($2,500 and above)
0.02% (Up to $2,499.99)
0.03% ($2,500 and above)
0.03% ($2,500 and above)
Sher-Advantage Checking:
Non-interest bearing, $500.00 minimum to open
Non-interest bearing, $500.00 minimum to open
Non-Interest Bearing
Non-Interest Bearing
Health Savings Rate:
Monthly compounding, no minimum to open
Monthly compounding, no minimum to open
0.02%
0.02%
These are variable rate products. The rate may change after account is opened. Applicable fees may reduce earnings.
Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Savings Account Rates
Statement Savings:
Semi-annually compounding
May 31st & Nov 30th
$50 minimum to open
$10 minimum to open (youth)
Semi-annually compounding
May 31st & Nov 30th
$50 minimum to open
$10 minimum to open (youth)
0.02%
0.02%
Christmas Club:
$1.00 minimum to open
$1.00 minimum to open
0.02%
0.02%
Club Account:
$1.00 minimum to open
$1.00 minimum to open
0.02%
0.02%
Money Market Savings:
Monthly compounding
Minimum deposit of $2,500 required to open
Monthly compounding
Minimum deposit of $2,500 required to open
0.02% (Up to $2,499.99)
0.04% ($2,500.00-$24,999.00)
0.05% ($25,000.00-$49,999.00)
0.07% ($50,000.00 and above)
0.04% ($2,500.00-$24,999.00)
0.05% ($25,000.00-$49,999.00)
0.07% ($50,000.00 and above)
0.02% (Up to $2,499.99)
0.04% ($2,500.00-$24,999.00)
0.05% ($25,000.00-$49,999.00)
0.07% ($50,000.00 and above)
0.04% ($2,500.00-$24,999.00)
0.05% ($25,000.00-$49,999.00)
0.07% ($50,000.00 and above)
Community Advantage Money Market Savings:
Monthly compounding
$5,000.00 minimum to open
Monthly compounding
$5,000.00 minimum to open
0.04% ($Up to $4,999.99)
0.05% ($5,000.00-$24,999.00)
0.07% ($25,000.00-$49,999.99)
0.12% ($50,0000.00 and above)
0.05% ($5,000.00-$24,999.00)
0.07% ($25,000.00-$49,999.99)
0.12% ($50,0000.00 and above)
0.04% ($Up to $4,999.99)
0.05% ($5,000.00-$24,999.00)
0.07% ($25,000.00-$49,999.99)
0.12% ($50,0000.00 and above)
0.05% ($5,000.00-$24,999.00)
0.07% ($25,000.00-$49,999.99)
0.12% ($50,0000.00 and above)
Sher-Advantage Savings (Without Sher-Advantage Checking Relationship):
Monthly compounding $100.00 minimum to open
Monthly compounding $100.00 minimum to open
0.02% (Up to $9,999.99)
1.50% ($10,000.00 – $49,999.99)
2.30% ($50,000.00 and above)
1.50% ($10,000.00 – $49,999.99)
2.30% ($50,000.00 and above)
0.02% (Up to $9,999.99)
1.50% ($10,000.00 – $49,999.99)
2.30%($50,000.00 and above)
1.50% ($10,000.00 – $49,999.99)
2.30%($50,000.00 and above)
Sher-Advantage Savings (With Sher-Advantage Checking Relationship):
Monthly compounding$100.00 minimum to open. Requires active Sher-Advantage Checking
Monthly compounding$100.00 minimum to open. Requires active Sher-Advantage Checking
0.25% (Up to $9,999.99)
1.75% ($10,000.00 – $49,999.99)
3.05% ($50,000.00 and above)
1.75% ($10,000.00 – $49,999.99)
3.05% ($50,000.00 and above)
0.25% (Up to $9,999.99)
1.75% ($10,000.00 – $49,999.99)
3.05% ($50,000.00 and above)
1.75% ($10,000.00 – $49,999.99)
3.05% ($50,000.00 and above)
These are variable rate products. The rate may change after account is opened. Applicable fees may reduce earnings.
Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
CD Rates
Certificates of Deposit:
Semiannually compounding.
Substantial penalty for early withdrawal.
$1,000.00 minimum to open
Semiannually compounding.
Substantial penalty for early withdrawal.
$1,000.00 minimum to open
0.05% (182 Day)
3.48% (7 Months)
0.10% (12 Month)
3.07% (13 Month)
1.00% (18 Month)
0.20% (24 Month One time bump option per 24 month period)
N/A (25 Month)
0.25% (30 Months)
0.40% (48 Months)
3.48% (7 Months)
0.10% (12 Month)
3.07% (13 Month)
1.00% (18 Month)
0.20% (24 Month One time bump option per 24 month period)
N/A (25 Month)
0.25% (30 Months)
0.40% (48 Months)
0.05% (182 Day)
3.48% (7 Months)
0.10% (12 Month)
3.05% (13 Month)
1.00% (18 Month)
0.20% (24 Month One time bump option per 24 month period)
N/A (25 Month)
0.25% (30 Months)
0.40% (48 Months)
3.48% (7 Months)
0.10% (12 Month)
3.05% (13 Month)
1.00% (18 Month)
0.20% (24 Month One time bump option per 24 month period)
N/A (25 Month)
0.25% (30 Months)
0.40% (48 Months)
These are variable rate products. The rate may change after account is opened. Applicable fees may reduce earnings.
Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
IRA Rates
Individual Retirement Accounts:
Quarterly Compounding
Substantial penalty for early withdrawal
Minimum of $1,000 to open
Quarterly Compounding
Substantial penalty for early withdrawal
Minimum of $1,000 to open
0.25% (12 Month)
0.50% (30 Month)
0.60% (48 Month)
0.50% (30 Month)
0.60% (48 Month)
0.25% (12 Month)
0.50% (30 Month)
0.60% (48 Month)
0.50% (30 Month)
0.60% (48 Month)
IRA Statement Savings:
Quarterly compounding
$50.00 minimum to open
Quarterly compounding
$50.00 minimum to open
0.02%
0.02%
These are variable rate products. The rate may change after account is opened. Applicable fees may reduce earnings.
Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
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