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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
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
Business Sher-Advantage Checking:
Non-interest bearing, $500.00 minimum to open.
$1,000 Minimum Daily Balance to avoid $10 monthly fee.
Non-interest bearing, $500.00 minimum to open.
$1,000 Minimum Daily Balance to avoid $10 monthly fee.
0.00%
0.00%
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 May 1, 2026.
*APY = Annual Percentage Yield
Interest Rates are current as of May 1, 2026.
*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)
1.51% ($10,000.00 – $49,999.99)
2.32% ($50,000.00 and above)
1.51% ($10,000.00 – $49,999.99)
2.32% ($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)
1.76% ($10,000.00 – $49,999.99)
3.09% ($50,000.00 and above)
1.76% ($10,000.00 – $49,999.99)
3.09% ($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)
Business Sher-Advantage Savings-No Sher-Advantage Checking Relationship:
Monthly compounding. $100.00 minimum to open. $100.00 minimum daily balance or $1,000.00 combined average balance otherwise $1.00 service fee.
Monthly compounding. $100.00 minimum to open. $100.00 minimum daily balance or $1,000.00 combined average balance otherwise $1.00 service fee.
0.02% (Up to $9,999.99)
1.51% ($10,000.00 – $49,999.99)
2.32% ($50,000.00 and above)
1.51% ($10,000.00 – $49,999.99)
2.32% ($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)
Business Sher-Advantage Savings-with Sher-Advantage Checking Relationship:
Monthly compounding. $100.00 Minimum to open. $100.00 Minimum daily balance or $1,000.00 combined average balance otherwise $1.00 service fee.
Monthly compounding. $100.00 Minimum to open. $100.00 Minimum daily balance or $1,000.00 combined average balance otherwise $1.00 service fee.
0.25% (Up to $9,999.99)
1.76% ($10,000.00 – $49,999.99)
3.09% ($50,000.00 and above)
1.76% ($10,000.00 – $49,999.99)
3.09% ($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 May 1, 2026.
*APY = Annual Percentage Yield
Interest Rates are current as of May 1, 2026.
*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 May 1, 2026.
*APY = Annual Percentage Yield
Interest Rates are current as of May 1, 2026.
*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 May 1, 2026.
*APY = Annual Percentage Yield
Interest Rates are current as of May 1, 2026.
*APY = Annual Percentage Yield
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