Loan and Mortgage Rates

Please contact us for current loan and mortgage rates. 


Deposit Rates

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

*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

0.11%




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

0.20%




0.20%




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 0.20% 0.20% $0.01
$2,500.00 - $24,999.99 0.40% 0.40% $2,500.00
$25,000.00 - $99,999.99 0.50% 0.50% $25,000.00
$100,000.00 - $249,999.99 0.68% 0.68% $100,000.00
$250,000.00 - $499,999.99 0.79% 0.79% $250,000.00
$500,000.00 + 0.92% 0.92% $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 1.09% 1.09%
24 month 1.26% 1.27%
36 month 1.46% 1.47%
48 month 1.71% 1.72%
60 month 1.82% 1.83%


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) 0.64% 0.64%
Minimum balance required to open & earn disclosed APY* is $500.00
6 Month (CD Only) 0.80% 0.80%
Minimum balance required to open an IRA & earn disclosed APY* is $100.00.
12 Month 1.09% 1.09%

24 Month 1.26% 1.27%

36 Month 1.46% 1.47%

48 Month 1.71% 1.72%

60 Month 1.82% 1.83%
Minimum balance required to open 24 Month Step Up & earn disclosed APY* is $2,500.00  24 Month Step-Up CD 1.16% 1.17%
Minimum balance required to open 36 Month Triple Play & earn disclosed APY* is $2,500.00 
36 Month Triple Play CD 1.26% 1.27%




$25,000.00 - $99,999.99
3 Month (CD Only) 0.74% 0.74%
Minimum balance required to earn disclosed APY* is $25,000.00 6 Month (CD Only) 0.90% 0.90%

12 Month 1.19% 1.20%

24 Month 1.36% 1.37%

36 Month 1.56% 1.57%

48 Month 1.81% 1.82%

60 Month 1.92% 1.93%

24 Month Step-Up CD 1.26% 1.27%

36 Month Triple Play CD 1.36% 1.37%




$100,000.00 or greater 3 Month (CD Only) 0.84% 0.84%
Minimum balance required to open and earn disclosed APY* is $100,000.00
6 Month (CD Only) 1.00% 1.00%

12 Month 1.29% 1.30%

24 Month 1.46% 1.47%

36 Month 1.66% 1.67%

48 Month 1.91% 1.92%

60 Month 2.02% 2.04%

24 Month Step-Up CD 1.36% 1.37%

36 Month Triple Play CD 1.46% 1.47%


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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