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DEPOSIT RATES Our current rates for interest-bearing accounts.

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We have competitive rates for interest-bearing accounts. Please note that fees may reduce earnings on some accounts depending on balance requirements.

  • The Annual Percentage Yields and Interest rates are accurate as of the effective date below.
  • Current rate information can be obtained by calling 1-800-225-1620.

► Annual Percentage Yields (APY) EFFECTIVE: May 29, 2024

Rate Name Minimum Balance
to Open Account
Minimum Balance
to Obtain Stated APY
APY % Interest Rate %
Christmas Club Savings $10 $0.01 0.05% 0.050%
Just for You Savings *Eligibility Requirement – Ages:Birth-25 Years Old $10 $10.00 0.05% 0.050%
Statement Savings $25 $100 0.05% 0.050%
Interest Checking $25 $1,000 0.03% 0.030%
Hancock Classic Checking *Eligibility Requirement – Over 62 years old $25 $0 0.03% 0.030%
MMDA $1,000 $2,000 0.05% 0.050%
Premium MMDA $10,000 $10,000 – $49,999 0.15% 0.150%
Premium MMDA $10,000 $50,000 – $99,999 0.20% 0.200%
Premium MMDA $10,000 $100,000 and over 0.25% 0.250%
IRA Statement Savings – Traditional & Roth $100 $0.01 0.05% 0.050%

***Fees imposed could reduce earnings on the account. Rate is subject to change at any time after the account is opened.


Rate Name Minimum Balance to Open Account Minimum Balance to Obtain Stated APY for Certificate Minimum Balance to Obtain Stated APY for IRA CD APY Rate % Interest Rate %
91 DAY CERTIFICATE or IRA CD* $500 $500 $0.01 0.35% 0.350%
182 DAY CERTIFICATE or IRA CD* $500 $500 $0.01 0.40% 0.400%
12 MONTH CERTIFICATE or IRA CD* $500 $500 $0.01 0.50% 0.500%
18 MONTH CERTIFICATE or IRA CD* $500 $500 $0.01 0.50% 0.500%
24 MONTH CERTIFICATE or IRA CD* $500 $500 $0.01 0.60% 0.600%
36 MONTH CERTIFICATE or IRA CD* $500 $500 $0.01 0.65% 0.650%
48 MONTH CERTIFICATE or IRA CD* $500 $500 $0.01 0.75% 0.750%
60 MONTH CERTIFICATE or IRA CD* $500 $500 $0.01 1.00% 0.995%

*Penalty may be imposed for early withdrawal + $25 Service Fee


LIMITED TIME SPECIALS To Open the Account To Obtain Stated APY APY% Interest Rate %
7 Month Certificate or IRA CD $500 $500          $0.01 5.15 5.020
14 Month Certificate or IRA CD $500 $500          $0.01 5.15 5.020
30 Month Certificate or IRA CD $500 $500          $0.01 3.25 3.200

*Penalty may be imposed for early withdrawal + $25 Service Fee