Current Rates
Savings Rates ANNUAL PERCENTAGE YIELDS ACCURATE AS OF 12/22/2022
| Demand Accounts | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance To Earn APY | Minimum Deposit To Open |
| KeyKids Savings | .05% | .05% | $.00 | $25.00 |
| Christmas Club | .10% | .10% | $.00 | $25.00 |
| Regular Savings | .05% | .05% | $.00 | $50.00 |
| Insured Investment | .05% | .05% | $.00 | $1,000.00 |
| Insured Investment | .10% | .10% | $10,000.00 | $1,000.00 |
| Checking Accounts | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance To Earn APY | Minimum Deposit To Open |
| Spirit Checking | n/a | n/a | n/a | $50.00 |
| Blue Ribbon | .03% | .03% | $100.00 | $100.00 |
| Blue Ribbon Plus | .03% | .03% | $100.00 | $100.00 |
| Blue Ribbon 50 | .03% | .03% | $100.00 | $100.00 |
| Platinum Money Accounts | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance To Earn APY | |
| Tier 1 $10,000 – $49,999 | .10% | .10% | Tier 1 $0 – $49,999 | |
| Tier 2 $50,000 – $99,999 | .20% | .10% – .15% | Tier 2 $50,000 – $99,999 | |
| Tier 3 $100,000 – $149,999 | .30% | .15% – .20% | Tier 3 $100,000 – $149,999 | |
| Tier 4 $150,000 and up | .35% | .20% – .35% | Tier 4 $150,000 and up | |
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**Minimum balance to open the Platinum Money Market account is $10,000.00. Please see a KeySavings Bank Representative for more information. At our discretion, we may change the interest rate on the above accounts after account opening. Fees could reduce the earnings on the above accounts. |
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| Term Accounts | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance To Earn APY | Minimum Deposit To Open |
| 91 Day CD | .20% | .20% | $1,000.00 | $1,000.00 |
| 182 Day CD | .25% | .25% | $1,000.00 | $1,000.00 |
| 8 Month CD | 1.25% | 1.25% | $1,000.00 | $1,000.00 |
| 10 Month CD | 1.50% | 1.50% | $1,000.00 | $1,000.00 |
| One Year CD | 3.25% | 3.29% | $500.00 | $500.00 |
| Two Year CD | 1.25% | 1.26% | $500.00 | $500.00 |
| 30 Month CD | 2.25% | 2.27% | $500.00 | $500.00 |
| Three Year CD | .55% | .55% | $500.00 | $500.00 |
| Four Year CD* | .60% | .60% | $1,000.00 | $1,000.00 |
| Five Year CD | .65% | .65% | $1,000.00 | $1,000.00 |
A penalty may be imposed for early withdrawal from term accounts. At our discretion, we may change the interest rates on these accounts. *Eligible for a one time bump up during the certificate term (4 Year ONLY)
| Health Savings Accounts | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance To Earn APY | Minimum Deposit To Open |
| HSA Checking | .05% | .05% | $0.00 | $50.00 |
| HSA Checking | .07% | .07% | $5,000.00 | $50.00 |
| HSA Checking | .10% | .10% | $10,000.00 | $50.00 |
At our discretion, we may change the interest rate on the above accounts after account opening. Fees could reduce the earnings on the above accounts.
| Retirement Accounts | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance To Earn APY | Minimum Deposit To Open |
| TRADITIONAL IRA | ||||
| Regular Savings* | .05% | .05% | $00.00 | $50.00 |
| 18 Month CD | 2.75% | 2.78% | $500.00 | $500.00 |
| Two Year CD | 1.25% | 1.26% | $500.00 | $500.00 |
| 30 Month CD | 2.25% | 2.27% | $500.00 | $500.00 |
| Three Year CD | .55% | .55% | $500.00 | $500.00 |
| ROTH IRA | ||||
| Regular Savings* | .05% | .05% | $00.00 | $50.00 |
| 18 Month CD | 2.75% | 2.78% | $500.00 | $500.00 |
| Two Year CD | 1.25% | 1.26% | $500.00 | $500.00 |
| 30 Month CD | 2.25% | 2.27% | $500.00 | $500.00 |
| Three Year CD | .55% | .55% | $500.00 | $500.00 |
*At our discretion, we may change the interest rate on these accounts after account opening.
| Coverdale Education Savings Account | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance To Earn APY | Minimum Deposit To Open |
| CESA | ||||
| Regular Savings* | .05% | .05% | $0.00 | $50.00 |
| 18 Month CD | 2.75% | 2.78% | $500.00 | $500.00 |
| Two Year CD | 1.25% | 1.26% | $500.00 | $500.00 |
| 30 Month CD | 2.25% | 2.27% | $500.00 | $500.00 |
| Three Year CD | .55% | .55% | $500.00 | $500.00 |
*At our discretion, we may change the interest rate on these accounts after account opening. A penalty may be imposed for early withdrawal from term accounts. Maximum additions to existing IRA Certificates with a term greater than 18 Months are limited to tax year contributions, $25.00 minimum deposit. Larger deposit amounts (Rollovers & Transfers) may be allowed only to the 18 Month IRA Certificate. Additional deposits will not extend maturity date. MEMBER FDIC
