Rates
| Account | Daily Balance | Interest Rate | APY1 | Minimum to Open |
| Key Interest Checking | $750 - $9,999.99 $10,000 and up | .05% .10% | .05% .10% | $750 |
1 APY = Annual Percentage Yield as of 4/25/2024. Compounded monthly. Rates are subject to change at any time. Fees may reduce earnings. |
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| Balance | Interest Rate | APY1 |
| Balances up to $10,000 | 1.98% | 2.00% |
| Balances over $10,000 | 0.25% | 2.00% to 0.25% |
| All balances if qualifications are not met | 0.05% | 0.05% |
1 APY = Annual Percentage Yield as of 4/25/2024. Compounded monthly. Rates are subject to change at any time. No minimum balance, $25.00 minimum to open. To qualify, simply do the following activities and transactions in your Keystone Cash account each monthly qualification cycle: have at least 12 debit card purchases post and settle, be enrolled and receive eStatements, and be enrolled and log into online banking. |
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| Account | Daily Balance | Interest Rate | APY1 | Minimum to Open |
| Key Savings | $0 and up | 0.05% | 0.05% | $10 |
| Key Money Market | $0.00 - $9,999 $10,000 - $24,999 $25,000 - $99,999 $100,000 - $499,999 $500,000 and up | 0.05% 0.05% 0.05% 0.15% 0.30% | 0.05% 0.05% 0.05% 0.15% 0.30% | $2,500 |
1 APY = Annual Percentage Yield as of 4/25/2024. Rates are subject to change at any time. APY is based on quarterly compounding for Key Savings accounts and monthly compounding for Key Money Market accounts. Fees may reduce earnings. |
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| Balance | Interest Rate | APY1 |
| Balances up to $25,000 | 0.50% | 0.50% |
| Balances over $25,000 | 0.25% | 0.50% to 0.25% |
| All balances if qualifications are not met | 0.05% | 0.05% |
1 APY = Annual Percentage Yield as of 4/25/2024. Compounded monthly. Rates are subject to change at any time. No minimum balance, $10.00 minimum to open. To qualify, simply do the following activities and transactions in your linked Keystone Cash or Keystone Cashback checking account each monthly qualification cycle: have at least 12 debit card purchases post and settle, be enrolled and receive eStatements, and be enrolled and log into online banking. Keystone Savings accounts must be linked with a Keystone Cash or Keystone Cashback checking account. |
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| Fixed Rate CD Term | Minimum to Open | Interest Rate | APY1 |
| 91 Days | $1,000 | .10% | .10% |
| 182 Days | $5,000 | 4.75% | 4.85% |
| 9 Month Keystone Advantage2 | $10,000 | 4.37% | 4.45% |
| 11 Month CD Special | $1,000 | 4.56% | 4.65% |
| 12 Months | $1,000 | .30% | .30% |
| 18 Months | $1,000 | .35% | .35% |
| 24 Months | $1,000 | .40% | .40% |
| 24 Months | $100,000 | .45% | .45% |
| 36 Months | $500 | .45% | .45% |
| 36 Months | $100,000 | .50% | .50% |
| 35 Months with Bump Up Option | $500 | 2.97% | 3.01% |
| 48 Months | $500 | .50% | .50% |
| 48 Months | $100,000 | .55% | .55% |
| 60 Months | $500 | .55% | .55% |
| 60 Months | $100,000 | .60% | .60% |
1 APY = Annual Percentage Yield as of 4/25/2024. Rates are subject to change at any time. APY is based on quarterly compounding. A penalty for early withdrawal may be imposed. For information about rates for Jumbo Certificates of Deposit with terms of 7 to 365 days, please call (570)752-3671 or (888)759-2266. |
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Individual Retirement Account (IRA)
Certificate of Deposit (CD)
| Fixed Rate CD Term | Minimum to Open | Interest Rate | APY1 |
| 182 Days | $500 | .15% | .15% |
| 11 Month Special | $1,000 | 4.56% | 4.65% |
| 12 Months | $500 | .30% | .30% |
| 24 Months | $500 | .40% | .40% |
| 35 Months with Bump Up Option | $500 | 2.97% | 3.01% |
| 36 Months | $500 | .45% | .45% |
| 60 Months | $500 | .55% | .55% |
1 APY = Annual Percentage Yield as of 4/25/2024. Rates are subject to change at any time. APY is based on quarterly compounding. A penalty for early withdrawal may be imposed. |
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Individual Retirement Account (IRA)
Savings Account
| Daily Balance | Interest Rate | APY1 |
| $0.00 - $4,999.99 | .05% | .05% |
| $5,000 - $24,999.99 | .05% | .05% |
| $25,000 - $49,999.99 | .10% | .10% |
| $50,000 and Up | .15% | .15% |
1 APY = Annual Percentage Yield as of 4/25/2024. Rates are subject to change at any time. APY is based on monthly compounding. No minimum to open. |
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