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Rates

State Central Bank Interest Rates and Annual Percentage Yields (APY) for Interest-Bearing Accounts 


Scroll to the right to view the rest of the table.

Checking/Savings Accounts

(Effective 02/12/2024)

Interest 

Rate

APY*

Minimum 

Deposit



Grand Checking
1.00 1.00 $50,000

Diamond Checking
0.45 0.45 $15,000

Golden Checking
0.35 0.35 $5,000

Super Checking
0.30 0.30 $500

Money Market Checking -- 





- $1,000 Avg. Collected
0.40 0.40 $1,000

- $25,000 Avg. Collected
0.50 0.50 $25,000

- $50,000 Avg. Collected
1.00 1.00 $50,000

Golden Passbook Savings
0.40 0.40 $2,500

Regular Savings**
0.20 0.20 $50


* APY for savings assumes quarterly interest payment.
* APY for checking assumes monthly interest payment.
** No minimum balance to obtain APY, however may be subject to balance fee.

CD Rates 

(Effective 02/12/2024)

$1,000 Min

Interest/APY


$10,000 Min

Interest/APY



91 Day CD
0.40 / 0.40
0.65 / 0.65

182 Day CD
0.50 / 0.50
0.75 / 0.75

12 Mo. CD
1.25 / 1.25
1.75 / 1.76

18 Mo. CD
1.75 / 1.76
2.25 / 2.26

24 Mo. CD
2.00 / 2.01
2.50 / 2.52

30 Mo. CD
2.00 / 2.01
2.50 / 2.52

36 Mo. CD
2.25 / 2.26
2.75 / 2.77


48 Mo. CD
2.25 / 2.26
2.75 / 2.77

60 Mo CD
2.50 / 2.52
3.00 / 3.02





All IRA CD Rates are the same as the above CD rates.

*APY FOR ABOVE CD'S ASSUMES SEMI ANNUAL INTEREST ADDED TO CERTIFICATE.
Contact any local bank branch for Penalty Fee Rates for early withdrawal. 
 

Budget Master CD Special - 10 month
*Note: Interest paid monthly to a checking or savings accounts State Central Bank

($1,000.00 MINIMUM)
2.00% Interest Rate
2.02% APY

Disclosures
- Fees may reduce earnings. All rates and APY's are subject to change after the account is open. Interest rates offered on deposit accounts are determined at the bank's discretion and may change daily.