Rates

Rates and APYs accurate as of: July 19, 2018

CERTIFICATES OF DEPOSIT*

Term Interest Rates1 APY CDs8 APY IRAs**58 Minimum Balancea
6 Month 0.30% 0.30%2 0.30% $500.00
12 Month 0.45% 0.45%3 0.45% $500.00
24 Month 0.65% 0.65%3 0.65% $500.00
36 Month 0.80% 0.80%3 0.80% $500.00
48 Month 1.00% 1.00%3 1.00% $500.00
60 Month 1.25% 1.25%3 1.25% $500.00

SAVINGS AND TRANSACTION ACCOUNTS

Variable Rate – The interest rate and annual percentage yield (APY) for these accounts may change

Interest Rates APYg Minimum Balance to Open
Reward Checking 0.50% 0.50%6ef $50.00 ($0.01-$25,000.00)c
Reward Checking 0.15% 0.15%6ef $50.00 ($25,000.01 & Over)c
Reward Checking 0.05% 0.05%6f $50.00f
Interest Checking 0.05% 0.05%6 $500.00 ($500.00 & Over)c
Money Market 0.10% 0.10%6 $1000.00 ($500-$9,999.99)c
Money Market 0.10% 0.10%6 $1000.00 ($10,000.00-$49,999.99)c
Money Market 0.15% 0.15%6 $1000.00 ($50,000.00-$99,999.99)c
Money Market 0.20% 0.20%6 $1000.00 ($100,000.00 & Over)c
RateMax Money Market 0.15% 0.15%6 $10,000.00 ($1,000.00-$9,999.99)c
RateMax Money Market 0.15% 0.15%6 $10,000.00 ($10,000.00-$24,999.99)c
RateMax Money Market 0.20% 0.20%6 $10,000.00 ($25,000.00-$49,999.99)c
RateMax Money Market 0.25% 0.25%6 $10,000.00 ($50,000.00-$74,999.99)c
RateMax Money Market 0.30% 0.30%6 $10,000.00 ($75,000.00 & Over)c
HSA Checking 0.10% 0.10%6 $50.00 ($500.00-$9,999.99)c
HSA Checking 0.10% 0.10%6 $50.00 ($10,00.00-$49,999.99)c
HSA Checking 0.15% 0.15%6 $50.00 ($50,00.00-$99,999.99)c
HSA Checking 0.20% 0.20%6 $50.00 ($100,000.00 & Over)c
Savings Account 0.15% 0.15%7 $100.00d

a Required to open and maintain stated annual percentage yield (APY)
c Required to maintain stated annual percentage yield (APY) if no service charge or charge for maintenance is imposed
d If no service charge or charge for maintenance is imposed, $1.00 balance required to maintain stated annual percentage yield (APY)
e Bonus Rate Requirements per cycle to earn stated annual percentage yield (APY):

  • 10 posted & cleared Debit Card purchases (ATM-processed transactions do not count towards qualifying purchases)
  • One posted and cleared direct deposit or ACH payment
  • Receive Online Statements

f If Bonus Rate Requirements are not met in (e) all funds earn the stated annual percentage yield (APY)
g Fees could reduce the earnings on the account
1 Subject to change at renewal
2 Compounded at renewal
3 Compounded annually
5 Compounded annually on December 31st and/or at maturity
6 Compounded monthly
7 Compounded quarterly
8 A penalty may be imposed for early withdrawal
* Additional Rates available upon request
** Coverdell Education Savings Accounts are setup as an IRA