Please be advised that our branch offices will be closed on Mon., Jan. 21, 2019, in observance of Martin Luther King Jr. Day, although our Electronic Banking & Customer Service Departments will be available to assist you with your banking needs from 8:30am-2:30pm. Our Online and Mobile Banking Services as well as our ATM machines are available 24/7 for your convenience. Thank you for choosing us to be your financial partner!

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Leading Rate Account (LRA)

Our LRA offers flexibility and a competitive variable rate of return as a money market account earning the Fed Funds Rate.

  • A variable rate money market account earning the Fed Funds Rate, not to exceed an interest rate of 10%
  • Two tier product with Tier 1: $0.01 - $50,000, directly earning the Fed Funds Rate. Tier 2: $50,000.01 and higher, will be set with a blended Annual Percentage Yield (APY)
  • Minimum deposit of $0.01 to open
  • A minimum balance of $0.01 must remain in the account each day to obtain the APY
  • Minimum daily balance requirement of $25,000 to avoid a $25 monthly maintenance fee
  • One LRA account per Tax Identification Number and available for both personal and business accounts
  • Interest is compounded daily and credited monthly