Interest Rates & Annual Percentage Yields are accurate as of 07/15/2024.

CD Special Rates

TermsMinimum DepositInterest RateAPY*
6 Month$1,000.004.94%5.00%
9 Month$1,000.004.97%5.00%

Certificate of Deposit (CD)

TermsMinimum DepositInterest RateAPY*
91 Day$1,000.001.40%1.40%
182 Day$1,000.001.49%1.50%
12 Month$1,000.001.64%1.65%
18 Month$1,000.001.74%1.75%
24 Month$1,000.001.94%1.95%
36 Month$1,000.001.94%1.95%
48 Month$1,000.001.94%1.95%
60 Month$1,000.001.94%1.95%

Deposit Accounts

Personal CheckingMinimum Opening DepositInterest RateAPY*
PSB Preferred***$50.003.70% on balances $0.00 to $25,000.00 

0.40% on balances over $25,000.00^

Did not qualify rate 0.05%
3.76% on balances $0.00 to $25,000.00 

0.40% on balances over $25,000.00^

Did not qualify rate 0.05%
NOW Account$750.000.53%0.53%
Health Savings AccountNo minimum required2.48%2.50%

For current HSA contribution limits, visit the IRS website.

Money Market

Money MarketDaily BalanceInterest RateAPY*
Hi-Fiup to $2,500.000.75%0.75%
$2,500.01 – $25,000.000.85%0.85%
$25,000.01 – $100,000.000.95%0.95%
$100,000.01 – $300,000.001.05%1.05%
$300,000.01 – $500,000.001.15%1.15%
$500,000.01 – and up1.25%1.25%

$2,500 minimum opening deposit for Money Market accounts.

Savings Accounts

Savings AccountMinimum Opening DepositInterest RateAPY*
Regular Savings$50.000.29%0.29%
Monster Saver Kids SavingsNo minimum required
$50.00 minimum balance to obtain APY
Christmas Club SavingsNo minimum required1.20%1.20%
Individual Retirement Accounts (IRA)No minimum required2.48%2.50%
Funeral Plan Trust Savings$500.001.93%1.95%

For current IRA contribution limits, visit the IRS website.

Business Checking

Business CheckingMinimum Opening DepositInterest RateAPY*
Business Premier$50.000.29%0.29%

Business Savings

Business SavingsMinimum Opening DepositInterest RateAPY*
Business Savings$50.000.29%0.29%

Jamie Bakker

New Accounts Specialist

Contact New Accounts

*Annual Percentage Yield and Interest Rate may change after account opening. Fees could reduce the earnings on the account.

***Preferred Requirements:  eStatements, minimum of 10 Point of Sale (POS) debit transactions that total $100.00 originated with a PSB issued debit card posted to your account per cycle and 1 ACH transaction.  All requirements must be met the last business day per statement cycle.  There is a $2.00 service charge per statement cycle if not enrolled in eStatements.  Provided all requirements are met:  ^If the daily balance is $0.01-$25,000.00 the interest rate paid on that part of the balance is 3.70% and APY of 3.76%.  If the daily balance is greater than $25,000.00 the interest rate paid on that portion of the balance would be 0.40% with the APY range of 3.76%-0.40%.  Accounts that do not meet the monthly requirements will have a rate of 0.05% and APY of 0.05%.  Interest is compounded daily and credited monthly.  Rate and APY are variable and may change daily.  $50 minimum to open account.  APY is accurate as of 07/15/2024.  Personal accounts only. APY*=Annual Percentage Yield.