Make More of Your Savings
Whether you’re saving for something special or planning for the future, Municipal Bank offers CD, IRA and deposit account options designed to help your money grow. Explore our current rates and find an option that fits your timeline and financial goals.
To open an account or learn more, stop by any branch.
CD Specials and Rates
*Annual Percentage Yield. All accounts compounded quarterly and automatically renew. Penalty for early withdrawal. Fees may reduce earnings. Not valid for IRA’s.
These rates are effective as of .
Current CD Specials
9 Month NEW MONEY- 3.65% APY*
$50,000 Minimum Opening and $1,000,000 Maximum Deposit
9 Month – 3.44% APY*
$25,000 Minimum Opening and $500,000 Maximum Deposit
13 Month – 3.55% APY*
$5,000 Minimum Opening and $250,000 Maximum Deposit
Standard CD Rates
90 Day- 0.30% APY*
$2,500 Minimum Opening Deposit
6 Month – 0.36% APY*
$2,500 Minimum Opening Deposit
12 Month – 0.40% APY*
$1,000 Minimum Opening Deposit
18 Month – 0.45% APY*
$1,000 Minimum Opening Deposit
24 Month – 0.50% APY*
$1,000 Minimum Opening Deposit
30 Month – 0.53% APY*
$1,000 Minimum Opening Deposit
36 Month – 0.60% APY*
$1,000 Minimum Opening Deposit
48 Month – 0.65% APY*
$1,000 Minimum Opening Deposit
60 Month – 0.75% APY*
$1,000 Minimum Opening Deposit
Standard IRA Rates
*APY – Annual Percentage Yield. All accounts compounded annually and automatically renew. Penalty for early withdrawal. Fees may reduce earnings.
These rates are effective as of .
Standard IRA Rates
1 Year – 0.15% APY*
$500 Minimum Opening Deposit
18 Months – 0.20% APY*
$500 Minimum Opening Deposit
2 Years- 0.25% APY*
$500 Minimum Opening Deposit
30 Months – 0.28% APY*
$500 Minimum Opening Deposit
3 Years – 0.35% APY*
$500 Minimum Opening Deposit
Personal Checking Rates
*APY- Annual Percentage Yield. Rates subject to change at anytime without notice.
Homeowner’s Choice
$1,000+ Balance
0.02% Interest Rate / 0.02% APY*
Now Account
0.03% Interest Rate / 0.03% APY*
Prestige Checking
$5,000-$29,999.99 Balance
0.02% Interest Rate / 0.02% APY*
$30,000-$74,999.99 Balance
0.03% Interest Rate / 0.03% APY*
$75,000-$99,999.99 Balance
0.05% Interest Rate / 0.05% APY*
$100,000+ Balance
0.12% Interest Rate / 0.12% APY*
Personal Savings Rates
*APY – Annual Percentage Yield. Rates subject to change at anytime without notice.
**Interest on Christmas club accounts compounds annually.
Minor Savings
0.03% Interest Rate / 0.03% APY*
Statement Savings
$300-$24,999.99 Balance
0.03% Interest Rate / 0.03% APY*
$25,000+ Balance
0.04% Interest Rate / 0.04% APY*
24K Savings Account
$2,500-$24,999.99 Balance
0.25% Interest Rate / 0.25% APY*
$25,000-$74,999.99 Balance
0.40% Interest Rate / 0.40% APY*
$75,000-$149,999.99 Balance
0.50% Interest Rate / 0.50% APY*
$150,000+ Balance
0.70% Interest Rate / 0.70% APY*
Christmas Club Savings
0.03% Interest Rate / 0.03% APY**
Commercial Account Rates
*APY- Annual Percentage Yield. Rates subject to change at anytime without notice.
Commercial Checking Account
An earnings credit will be applied to the account to offset monthly fee. The earnings shall be indexed at a rate of 0.05% and will be computed on the average daily balance.*
Interest Bearing Business Checking
0.03% Interest Rate / 0.03% APY*
Commercial Statement Savings
$300-$24,999.99 Balance
0.03% Interest Rate / 0.03% APY*
$25,000+ Balance
0.04% Interest Rate / 0.04% APY*
24K Commercial Savings Account
$2,500-$24,999.99 Balance
0.25% Interest Rate / 0.25% APY*
$25,000-$74,999.99 Balance
0.40% Interest Rate / 0.40% APY*
$75,000-$149,999.99 Balance
0.50% Interest Rate / 0.50% APY*
$150,000+ Balance
0.70% Interest Rate / 0.70% APY*