Loan and Mortgage Rates

Please contact us for current loan and mortgage rates. 


Deposit Rates

Annual Percentage Yields are accurate as of 04/01/2020

*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

0.01%




0.01%




Interest Business Checking
Minimum balance required to open is $2,500.00. 
Average daily balance required to earn disclosed APY* is $2,500.00. 
0.01%


0.01%


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 > zero
Interest compounded monthly
Limitation of frequency of transfers
After account opening, at our discretion, we may change the interest rate

0.10%




0.10%




Christmas Club
Minimum daily balance required to open & earn disclosed APY*is $1.00. 
2.00%

2.00%

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 0.10% 0.10% $0.01
$2,500.00 - $24,999.99 0.30% 0.30% $2,500.00
$25,000.00 - $99,999.99 0.40% 0.40% $25,000.00
$100,000.00 - $249,999.99 0.58% 0.58% $100,000.00
$250,000.00 - $499,999.99 0.69% 0.69% $250,000.00
$500,000.00 + 0.82% 0.82% $500,000.00


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 .79% .79%
24 month .96% .96%
36 month 1.16% 1.17%
48 month 1.39% 1.40%
60 month 1.50% 1.51%


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) 0.34% 0.34%
Minimum balance required to open & earn disclosed APY* is $500.00
6 Month (CD Only) 0.52% 0.52%
Minimum balance required to open an IRA & earn disclosed APY* is $100.00.
12 Month 0.79% 0.79%

24 Month 0.96% 0.96%

36 Month 1.16% 1.17%

48 Month 1.39% 1.40%

60 Month 1.50% 1.51%
Minimum balance required to open 24 Month Step Up & earn disclosed APY* is $2,500.00  24 Month Step-Up CD 0.86% 0.86%
Minimum balance required to open 36 Month Triple Play & earn disclosed APY* is $2,500.00 
36 Month Triple Play CD 0.96% 0.96%




$25,000.00 - $99,999.99
3 Month (CD Only) 0.44% 0.44%
Minimum balance required to earn disclosed APY* is $25,000.00 6 Month (CD Only) 0.62% 0.62%

12 Month 0.89% 0.89%

24 Month 1.06% 1.07%

36 Month 1.26% 1.27%

48 Month 1.49% 1.50%

60 Month 1.60% 1.61%

24 Month Step-Up CD 0.96% 0.96%

36 Month Triple Play CD 1.06% 1.07%




$100,000.00 or greater 3 Month (CD Only) 0.54% 0.54%
Minimum balance required to open and earn disclosed APY* is $100,000.00
6 Month (CD Only) 0.72% 0.72%

12 Month 0.99% 0.99%

24 Month 1.16% 1.17%

36 Month 1.36% 1.37%

48 Month 1.59% 1.60%

60 Month 1.70% 1.71%

24 Month Step-Up CD 1.06% 1.07%

36 Month Triple Play CD 1.16% 1.17%


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 0.15% 0.15% $500.00
$1,000.00 - $1,999.99 0.40% 0.40% $1,000.00
$2,000.00 and over 0.65% 0.65% $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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