Loan and Mortgage Rates

Please contact us for current loan and mortgage rates. 


Deposit Rates

Annual Percentage Yields are accurate as of 06-01-2017. 

*APY=Annual Percentage Yield 


Checking


Interest Rate APY*
Pine Island NOW Checking
Minimum balance required to open is $2,000.00.
Average daily balance required to earn disclosed APY* is $2,000.00. 
Interest compounded monthly, Fees could reduce earnings
Account available for individual(s) only.
 
After account opening, at our discretion, we may change the interest rate

0.11%




0.11%




Interest Business Checking
Minimum balance required to open is $2,500.00. 
Average daily balance required to earn disclosed APY* is $2,500.00. 
0.11%


0.11%


Interest compounded monthly, Fees could reduce earnings
Only Non-Profit Organizations, Government Entities, and Sole Proprietors qualify for this account.
After account opening, at our discretion, we may change the interest rate


Savings


Interest Rate APY*
Savings and Kids Club
Minimum balance required to open is $10.00. 
Daily balance required to earn disclosed APY* is $50.00. 
Interest compounded monthly
Limitation of frequency of transfers
After account opening, at our discretion, we may change the interest rate

0.12%




0.12%




Christmas Club
Minimum daily balance required to open & earn disclosed APY*is $1.00. 
1.00%

1.01%

Interest compounded annually
Early withdrawal penalty, fees could reduce earnings


Money Market Deposit Account (MMDA)

Balance Interest Rate APY* Minimum Balance Required
to Earn Disclosed APY*
$0.01 - $2,499.99 0.12% 0.12% $0.01
$2,500.00 - $24,999.99 0.19% 0.19% $2,500.00
$25,000.00 - $99,999.99 0.26% 0.26% $25,000.00
$100,000 or higher 0.30% 0.30% $100,000.00


Minimum balance required to open is $2,500.00
Interest compounded monthly
Limitation on frequency of transfers
Fees could reduce earnings
After account opening, at our discretion, we may change the interest rate


Young Savers Certificate 
Balance = $300.00 to $24,999.99

Term Interest Rate APY*
12 month 0.51% 0.51%
24 month 0.67% 0.67%
36 month 0.89% 0.89%
48 month 1.14% 1.15%
60 month 1.33% 1.34%


Minimum balance required to open and earn disclosed APY* is $300.00
Interest compounded quarterly
For rates on balances $25,000 to $99,999 and =/> $100,000 please reference the CD & IRA rates below
Early withdrawal penalty, fees could reduce earnings


Certificate of Deposit & Traditional & Roth IRAs

Balance Term Interest Rate APY*
$500.00 - $24,999.99 3 Month (CD Only) 0.23% 0.23%
Minimum balance required to open & earn disclosed APY* is $500.00
6 Month (CD Only) 0.31% 0.31%
Minimum balance required to open an IRA & earn disclosed APY* is $100.00.
12 Month 0.51% 0.51%

24 Month 0.67% 0.67%

36 Month 0.89% 0.89%

48 Month 1.14% 1.15%

60 Month 1.33% 1.34%
Minimum balance required to open 24 Month Step Up & earn disclosed APY* is $2,500.00  24 Month Step-Up CD 0.57% 0.57%
Minimum balance required to open 36 Month Triple Play & earn disclosed APY* is $2,500.00 
36 Month Triple Play CD 0.69% 0.69%
$25,000.00 - $99,999.99
3 Month (CD Only) 0.33% 0.33%
Minimum balance required to earn disclosed APY* is $25,000.00 6 Month (CD Only) 0.41% 0.41%

12 Month 0.61% 0.61%

24 Month 0.77% 0.77%

36 Month 0.99% 0.99%

48 Month 1.24% 1.25%

60 Month 1.43% 1.44%

24 Month Step-Up CD 0.67% 0.67%

36 Month Triple Play CD 0.79% 0.79%
$100,000.00 or greater 3 Month (CD Only) 0.43% 0.43%
Minimum balance required to open and earn disclosed APY* is $100,000.00
6 Month (CD Only) 0.51% 0.51%

12 Month 0.71% 0.71%

24 Month 0.87% 0.87%

36 Month 1.09% 1.09%

48 Month 1.34% 1.35%

60 Month 1.53% 1.54%

24 Month Step-Up CD 0.77% 0.77%

36 Month Triple Play CD 0.89% 0.89%


Interest compounded quarterly
Early withdrawal penalty, fees could reduce earnings


Health Savings Accounts

Balance Interest Rate APY* Minimum Balance Required
to Earn Disclosed APY*
$0 - $499.99 0.00%0.00% $0.00
$500.00 - $999.99 0.25% 0.25% $500.00
$1,000.00 - $1,999.99 0.50% 0.50% $1,000.00
$2,000.00 and over 0.75% 0.75% $2,000.00


Interest compounded monthly, fees could reduce earnings
After account opening, at our discretion, we may change the interest rate

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