Current Rates

This Interest Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

Account Name Minimum Opening Deposit Minimum Balance to Obtain Annual Yieldᴰ Interest Rate Annual Percentage Yield
Beachcomber Checkingᴮᴱ$50.00$200.000.10%0.10%
Beachcomber Plus Checkingᴮᴱ$50.00$500.000.10%0.10%
Lighthouse Checkingᴮᴱ$50.00$200.000.10%0.10%
Safe Harbor Statement Savingsᴮᴱ$100.00$100.000.10%0.10%
Sandpiper Student Savingsᴮᴱ$10.00$10.000.10%0.10%
High Tide Special Savingsᴮ$1.00$1.000.10%0.10%
Sand Dollar MMAᴮᴱ$1,000.00$1,000.00
Balance: $1,000.00 - $9,999.990.10%0.10%
Balance: $10,000.00 - $24,999.990.10%0.10%
Balance: $25,000.00 - $49,999.990.15%0.15%
Balance: $50,000.00 - $99,999.990.20%0.20%
Balance: $100,000.00 - $249,999.990.25%0.25%
Balance: $250,000.00 and up0.25%0.25%
Sand Dollar MMA Plusᴮᴱ$2,500.00$2,500.00
Balance: $2,500.00 - $24,999.990.10%0.10%
Balance: $25,000.00 - $49,999.990.15%0.15%
Balance: $50,000.00 - $99,999.990.20%0.20%
Balance: $100,000.00 and up0.25%0.25%
90 Day Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.10%0.10%
6 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.20%0.20%
7 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.004.40%4.50%
9 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.20%0.20%
12 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.30%0.30%
13 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.30%0.30%
15 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.30%0.30%
18 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.40%0.40%
24 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.40%0.40%
30 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.40%0.40%
36 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.40%0.40%
48 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.40%0.40%
60 Month Fixed Rate Time Deposit/IRAᴬ$500.00$500.000.40%0.40%

ᴬ A penalty will be imposed for early withdrawal.

ᴮ The interest rate and annual percentage yield may change after account opening.

ᴰ Daily Balance. The amount of the principal in the account each day.

ᴱ Fees could reduce the earning on the account.

The annual percentage yield is effective as of 6/25/2024.  For interest rate information call (302) 226-3333.