Deposit Rates
Personal Products
Checking Products
| Account Product Name |
Minimum Opening Deposit |
Interest Rate Tiers (Single APY on entire balance) |
Interest Rate* |
Annual Percentage Yield (APY)* |
| Flagship Checking |
$100.00 |
Any Balance |
0.20% |
0.20% |
Savings Products
| Account Product Name |
Minimum Opening Deposit |
Interest Rate Tiers (Single APY on entire balance) |
Interest Rate* |
Annual Percentage Yield (APY)* |
| Anchor Savings |
$100.00 |
Any Balance |
0.10% |
0.10% |
| Admiral Savings |
$100.00 |
Any Balance |
0.10% |
0.10% |
| Health Savings Account |
$100.00 |
Any Balance |
0.70% |
0.70% |
| Flagship Money Market |
$100.00 |
Any Balance |
1.00% |
1.00% |
| Maritime Money Market |
$100.00 |
$0.00 – $9,999.99 |
0.05% |
0.05% |
| Maritime Money Market |
$100.00 |
$10,000.00 – $49,999.99 |
0.20% |
0.20% |
| Maritime Money Market |
$100.00 |
$50,000.00 – $99,999.99 |
0.70% |
0.70% |
| Maritime Money Market |
$100.00 |
$100,000.00 – $249,999.99 |
1.19% |
1.20% |
| Maritime Money Market |
$100.00 |
$250,000.00 – $499,999.99 |
1.69% |
1.70% |
| Maritime Money Market |
$100.00 |
$500,000.00 – $749,999.99 |
2.18% |
2.20% |
| Maritime Money Market |
$100.00 |
$750,000.00 – $999,999.99 |
2.67% |
2.70% |
| Maritime Money Market |
$100.00 |
$1,000,000.00+ |
3.15% |
3.20% |
Youth Products
| Account Product Name |
Minimum Opening Deposit |
Interest Rate Steps (Different APYs for each step) |
Interest Rate* |
Annual Percentage Yield (APY)* |
| Skipper Savings** |
$10.00 |
$0.00 – $2,499.99 |
3.925% |
4.00% |
| Skipper Savings** |
$10.00 |
$2,500.00+ |
0.10% |
0.10% |
| Voyager Savings*** |
$10.00 |
$0.00 – $2,499.99 |
3.925% |
4.00% |
| Voyager Savings*** |
$10.00 |
$2,500.00+ |
0.10% |
0.10% |
*The interest rate and annual percentage yield may change after account opening.
**Primary owner must be 12 years or younger to be eligible for the Skipper Savings account.
***Primary owner must be between 13 and 24 years old to be eligible for the Voyager Savings account.
The daily balance method is used to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
Fees could reduce the earnings on your account.
Certificates of Deposit (CDs)
| Traditional & Variable* CD Terms |
Minimum Opening Deposit |
Interest Rate* |
Annual Percentage Yield (APY)* |
| 152 Day – Special |
$1,000.00 |
3.70% |
3.75% |
| 182 Day |
$1,000.00 |
2.48% |
2.50% |
| 9 Months – Special |
$1,000.00 |
3.55% |
3.60% |
| 12 Months |
$1,000.00 |
2.48% |
2.50% |
| 12 Month IRA |
$1,000.00 |
2.48% |
2.50% |
| 13 Months – Special |
$1,000.00 |
3.455% |
3.50% |
| 13 Months IRA – Special |
$1,000.00 |
3.455% |
3.50% |
| 24 Months |
$1,000.00 |
2.48% |
2.50% |
| 24 Month IRA |
$1,000.00 |
2.48% |
2.50% |
| 36 Months |
$1,000.00 |
1.74% |
1.75% |
| Savers Club CD* |
$100.00 |
3.94% |
4.00% |
A penalty may be imposed for early withdrawal.
Fees could reduce the earnings on your account.
*Savers Club CD Terms 6 Months – 60 Months: interest rate and annual percentage yield may change after account opening.
Business Products
Checking Products
| Account Product Name |
Minimum Opening Deposit |
Interest Rate Tiers (Single APY on entire balance) |
Interest Rate* |
Annual Percentage Yield (APY)* |
| Business Advantage Checking |
$100.00 |
Any Balance |
0.20% |
0.20% |
| Account Analysis Checking |
$100.00 |
Any Balance |
0.70% |
0.70% |
Savings Products
| Account Product Name |
Minimum Opening Deposit |
Interest Rate Tiers (Single APY on entire balance) |
Interest Rate* |
Annual Percentage Yield (APY)* |
| Business Homeport Savings |
$100.00 |
Any Balance |
0.10% |
0.10% |
| Business Advantage Money Market |
$100.00 |
Any Balance |
1.00% |
1.00% |
| Business Maritime Money Market |
$100.00 |
$0.00 – $9,999.99 |
0.05% |
0.05% |
| Business Maritime Money Market |
$100.00 |
$10,000.00 – $49,999.99 |
0.20% |
0.20% |
| Business Maritime Money Market |
$100.00 |
$50,000.00 – $99,999.99 |
0.70% |
0.70% |
| Business Maritime Money Market |
$100.00 |
$100,000.00 – $249,999.99 |
1.19% |
1.20% |
| Business Maritime Money Market |
$100.00 |
$250,000.00 – $499,999.99 |
1.69% |
1.70% |
| Business Maritime Money Market |
$100.00 |
$500,000.00 – $749,999.99 |
2.18% |
2.20% |
| Business Maritime Money Market |
$100.00 |
$750,000.00 – $999,999.99 |
2.67% |
2.70% |
| Business Maritime Money Market |
$100.00 |
$1,000,000.00+ |
3.15% |
3.20% |
Government & Non-Profit Products
| Account Product Name |
Minimum Opening Deposit |
Interest Rate Tiers (Single APY on entire balance) |
Interest Rate* |
Annual Percentage Yield (APY)* |
| Community Rewards Checking |
$100.00 |
Any Balance |
0.70% |
0.70% |
| Community Money Market |
$100.00 |
Any Balance |
1.00% |
1.00% |
| Community Maritime Money Market |
$100.00 |
$0.00 – $9,999.99 |
0.05% |
0.05% |
| Community Maritime Money Market |
$100.00 |
$10,000.00 – $49,999.99 |
0.20% |
0.20% |
| Community Maritime Money Market |
$100.00 |
$50,000.00 – $99,999.99 |
0.70% |
0.70% |
| Community Maritime Money Market |
$100.00 |
$100,000.00 – $249,999.99 |
1.19% |
1.20% |
| Community Maritime Money Market |
$100.00 |
$250,000.00 – $499,999.99 |
1.69% |
1.70% |
| Community Maritime Money Market |
$100.00 |
$500,000.00 – $749,999.99 |
2.18% |
2.20% |
| Community Maritime Money Market |
$100.00 |
$750,000.00 – $999,999.99 |
2.67% |
2.70% |
| Community Maritime Money Market |
$100.00 |
$1,000,000.00+ |
4.05% |
Current GIP** + 0.05% |
*The interest rate and annual percentage yield may change after account opening.
**GIP = Government Investment Pool.
The daily balance method is used to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
Fees could reduce the earnings on your account.
Certificates of Deposit (CDs)
| Traditional CD Terms |
Minimum Opening Deposit |
Interest Rate* |
Annual Percentage Yield (APY)* |
| 152 Day – Special |
$1,000.00 |
3.70% |
3.75% |
| 182 Day |
$1,000.00 |
2.48% |
2.50% |
| 9 Months – Special |
$1,000.00 |
3.55% |
3.60% |
| 12 Months |
$1,000.00 |
2.48% |
2.50% |
| 13 Months – Special |
$1,000.00 |
3.455% |
3.50% |
| 24 Months |
$1,000.00 |
2.48% |
2.50% |
| 36 Months |
$1,000.00 |
1.74% |
1.75% |
A penalty may be imposed for early withdrawal.
Fees could reduce the earnings on your account.
For current rate information call (541) 265-9000
Member FDIC
Effective 03/30/2026
