.png){kind=small}
.png){kind=small}
.png){kind=small}
.png){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
Interest 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 Interest 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 interest rate products. The interest rate may change after account is opened. Applicable fees may reduce earnings.
Interest Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Interest Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Savings Account Interest 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 interest rate products. The interest rate may change after account is opened. Applicable fees may reduce earnings.
Interest Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Interest Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
CD Interest 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)
3.38% (7 Months)
0.10% (12 Month)
3.02% (13 Month)
0.90% (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)
3.38% (7 Months)
0.10% (12 Month)
3.02% (13 Month)
0.90% (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)
3.35% (7 Months)
0.10% (12 Month)
3.00% (13 Month)
0.90% (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)
3.35% (7 Months)
0.10% (12 Month)
3.00% (13 Month)
0.90% (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 interest rate products. The interest rate may change after account is opened. Applicable fees may reduce earnings.
Interest Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Interest Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
IRA Interest 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 interest rate products. The rate may change after account is opened. Applicable fees may reduce earnings.
Interest Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Interest Rates are current as of November 17, 2025.
*APY = Annual Percentage Yield
Community Focused,
Customer Driven
