Personal Deposit Rates
Rate subject to change after the account is opened. Fees could reduce earnings on the account. Annual Percentage Yield (APY) rates accurate as of October 1, 2025.
Savings Account Rates
| Account Type | APY |
|---|---|
| Statement Savings Account ($50.00 minimum to open) | 0.10% |
| Kid$ Count Savings ($10.00 minimum to open) | 0.10% |
| Christmas Club ($10.00 minimum to open) | 0.10% |
| Health Savings Accounts | |
| $0 - $2,499.99 | 0.01% |
| $2,500 | 0.05% |
Money Market Account Rates
| Account Type | APY |
|---|---|
| Money Market Deposit Account | |
| $0 - $9,999.99 | 0.05% |
| $10,000 Minimum | 0.10% |
| $25,000 Minimum | 0.15% |
| $50,000 Minimum | 0.25% |
| $100,000 Minimum | 0.30% |
Premium Money Market Account Rates
| Account Type | APY |
|---|---|
| $50,000 Minimum | 0.25% |
| $125,000 Minimum | 0.50% |
| $300,000 Minimum | 3.05% |
| $500,000 Minimum | 3.56% |
Checking Account Rates
| Account Type | APY |
|---|---|
| Rewards Checking | |
$0 - $5,000 | 3.75% (Reward) |
Over $5,000 | 0.05% (Standard) |
| Rewards Checking with Mortgage | |
$0 - $5,000 | 4.25% (Reward) |
Over $5,000 | 0.05% (Standard) |
All reward rate qualifications must be met to obtain the rates listed. If not met, the standard rate will be applied.
To earn the reward interest rate, the following must be met for your Rewards Checking Account during each month; $50.00 minimum deposit to open, 10 Debit Card transactions (must be posted and cleared before the last business day of the month), enrolled in e-statements, and direct deposit. To earn the mortgage reward interest rate, all qualifications listed apply as well as an eligible first mortgage loan with Paper City Savings Bank. Eligible first mortgage loans include owner occupied 1-4 family, MPF, VA, and Fannie Mae.
CD Rates
| Term | Minimum Deposit | APY |
|---|---|---|
| 91 Day | $2,500.00 | 0.46% |
| 6 Month | $2,500.00 | 0.76% |
| 7 Month Special | $1,000.00 | 3.85% |
| 13 Month Special | $1,000.00 | 3.50% |
| 12 Month | $100.00 | 1.28% |
| 18 Month | $100.00 | 1.53% |
| 24 Month | $100.00 | 1.79% |
| 36 Month | $100.00 | 2.04% |
Deposits insured by FDIC. Penalties may be imposed for early withdrawal of funds from Certificate of Deposit Accounts.
Traditional IRA Rates
| Certificate | APY |
|---|---|
| 12 Month Certificate | 1.28% |
| 18 Month Certificate | 1.53% |
| 24 Month Certificate | 1.79% |
| 36 Month Certificate | 2.04% |
Deposits insured by FDIC. Penalties may be imposed for early withdrawal of funds from Certificate of Deposit Accounts.
Roth IRA Rates
| Certificate | APY |
|---|---|
| 12 Month Certificate | 1.28% |
| 24 Month Certificate | 1.79% |
| 36 Month Certificate | 2.04% |
Deposits insured by FDIC. Penalties may be imposed for early withdrawal of funds from Certificate of Deposit Accounts.
