Check out our competitive Deposit and Certificate Rates, Effective November 25, 2017.

Looking for Loan Rates? Head over to our Loans section for more information.

Retail Checking Rates

Product
Interest Rate**
APY*
Minimum To Open Account
Minimum Balance To Obtain APY*
Minimum Balance To Avoid Service Fee
Service Fee
Free+ Checking Non-Interest Bearing Account $100.00 None
Interest Checking 0.10% 0.10% $1,000.00 $0.01 $1,000.00 $10.00
50+ Checking 0.15% 0.15% $100.00 $0.01 None


Business Deposit Rates

Product
Interest Rate**
APY*
Minimum To Open Account
Minimum Balance To Obtain APY*
Minimum Balance To Avoid Service Fee
Service Fee
Business Checking Non-Interest Bearing Account $500.00 $500.00 $15.00
Business Interest Checking 0.05% 0.05% $500.00 $0.01 $1,000.00 $20.00
Business Money Market*** 0.30% 0.30% $2,500.00 $0.01% $2,500.00 $25.00
IOLTA 0.15% 0.15% $100.00 $0.01 – $99,999.99 None
0.30% 0.30% $100,000.00 +
Municipal 0.07% 0.07% $100.00 $0.01 None


Savings Rates***

Product
Interest Rate**
APY*
Minimum To Open Account
Minimum Balance To Obtain APY*
Minimum Balance To Avoid Service Fee
Service Fee
A+ Savings 0.20% 0.20% $25.00 $0.01 None
Statement Savings 0.15% 0.15% $250.00 $0.01 $250.00 $5.00
Money Market Savings 0.15% 0.15% $10,000.00 $0.01-$9,999.99 $10,000.00 $15.00
0.20% 0.20% $10,000.00 – $49,999.99
0.25% 0.25% $50,000.00 – $99,999.99
0.30% 0.30% $100,000.00 – $249,999.99
0.35% 0.35% $250,000.00 +
Vacation Club+ 0.20% 0.20% $25.00 $0.01 None
Holiday Club+ 0.20% 0.20% $25.00 $0.01 None


Certificates of Deposit Rates

Certificate Term
Interest Rate
APY*
Minimum To Open
91 Day 0.25% 0.25% $1,000.00
6 Month 0.30% 0.30% $1,000.00
12 Month 0.50% 0.50% $1,000.00
18 Month 0.55% 0.55% $1,000.00
24 Month 0.75% 0.75% $1,000.00
30 Month 0.80% 0.80% $1,000.00
36 Month 1.00% 1.00% $1,000.00
48 Month 1.24% 1.25% $1,000.00
60 Month – 120 Month 1.49% 1.50% $1,000.00


* APY = Annual Percentage Yield
** Interest Rate and Annual Percentage Yield may vary after account is opened. Fees may reduce earnings.
*** Pursuant to federal law, no more than six (6) withdrawals or transfers per monthly statement cycle to a third party or to your other accounts at Audubon Savings Bank are permitted on these account types. This limit applies to check, draft, debit card, pre-authorized transfers, telephone transfers and Audubon Savings Bank online banking transfers. However, this limit does not apply to withdrawals made in person or through ATMs or by mail. If you repeatedly exceed this limit, we may close your account or transfer your funds to an account that does not have these limits. Additional fees may be assessed. Refer to the Bank’s Fee Schedule.
+Vacation Club accounts will be disbursed annually in April, Holiday Club accounts will disburse annually in October. No withdrawals permitted. A disbursement fee of $15.00 will be assessed for any withdrawal prior to the disbursement date, regardless of amount.