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Rates & Fees

Competitive rates designed to help you save more and borrow smarter

Last Updated: February 22, 2026

Featured Products

High Yield Savings

3.75%

APY

Minimum Balance$0
Monthly Fee$0
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18 Month Certificate

3.65%

APY

Minimum Deposit$500
Early Withdrawal90 days interest
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36 Month Certificate

4.00%

APY

Minimum Deposit$500
Early Withdrawal180 days interest
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Cash Rewards MC

15.49%

Variable APR

Annual Fee$0
Rewards Rate1.5% cash back
Learn More

Important Rate Information

APY (Annual Percentage Yield)

The APY is accurate as of the last update date and is subject to change without notice. Fees may reduce earnings.

APR (Annual Percentage Rate)

The APR shown is based on credit approval and may vary based on your creditworthiness and other factors.

Membership Requirements

To open any account or apply for any loan product, you must become a member of . Membership is available to anyone who lives, works, or worships in our service area.

FDIC Insurance

All deposit accounts are FDIC insured up to $250,000 per depositor, per ownership category.

Need Help Choosing?

Our member care specialists are here to help you find the right rates for your needs.

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Oldspring Trust Bank