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
