Loan and Mortgage Rates
Please contact us for current loan and mortgage rates.
Deposit Rates
Annual Percentage Yields are accurate as of 08/01/2020.
*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 |
0.05% |
0.05% |
| Interest Business Checking Minimum balance required to open is $2,500.00. Average daily balance required to earn disclosed APY* is $2,500.00. |
0.05% |
0.05% |
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 | 0.21% | 0.21% | $2,500.00 |
| $25,000.00 - $99,999.99 | 0.31% | 0.31% | $25,000.00 |
| $100,000.00 - $249,999.99 | 0.41% | 0.41% | $100,000.00 |
| $250,000.00 - $499,999.99 | 0.51% | 0.51% | $250,000.00 |
| $500,000.00 + | 0.61% | 0.61% | $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 | .56% | .56% |
| 24 month | .61% | .61% |
| 36 month | .72% | .72% |
| 48 month | .89% | .89% |
| 60 month | .91% | .91% |
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) | 0.24% | 0.24% |
| Minimum balance required to open & earn disclosed APY* is $500.00 |
6 Month (CD Only) | 0.34% | 0.34% |
| Minimum balance required to open an IRA & earn disclosed APY* is $100.00. |
12 Month | 0.56% | 0.56% |
| 24 Month | 0.61% | 0.61% | |
| 36 Month | 0.72% | 0.72% | |
| 48 Month | 0.89% | 0.89% | |
| 60 Month | 0.91% | 0.91% | |
| Minimum balance required to open 24 Month Step Up & earn disclosed APY* is $2,500.00 | 24 Month Step-Up CD | 0.51% | 0.51% |
| Minimum balance required to open 36 Month Triple Play & earn disclosed APY* is $2,500.00 |
36 Month Triple Play CD | 0.52% | 0.52% |
| $25,000.00 - $99,999.99 |
3 Month (CD Only) | 0.34% | 0.34% |
| Minimum balance required to earn disclosed APY* is $25,000.00 | 6 Month (CD Only) | 0.44% | 0.44% |
| 12 Month | 0.66% | 0.66% | |
| 24 Month | 0.71% | 0.71% | |
| 36 Month | 0.82% | 0.82% | |
| 48 Month | 0.99% | 0.99% | |
| 60 Month | 1.01% | 1.01% | |
| 24 Month Step-Up CD | 0.61% | 0.61% | |
| 36 Month Triple Play CD | 0.62% | 0.62% | |
| $100,000.00 or greater | 3 Month (CD Only) | 0.44% | 0.44% |
| Minimum balance required to open and earn disclosed APY* is $100,000.00 |
6 Month (CD Only) | 0.54% | 0.54% |
| 12 Month | 0.76% | 0.76% | |
| 24 Month | 0.81% | 0.81% | |
| 36 Month | 0.92% | 0.92% | |
| 48 Month | 1.09% | 1.09% | |
| 60 Month | 1.11% | 1.12% | |
| 24 Month Step-Up CD | 0.71% | 0.71% | |
| 36 Month Triple Play CD | 0.72% | 0.72% |
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
