Deposit Rates

Rates accurate as of: October 1, 2018

Special Certificate of Deposit Account


TERM
MINIMUM
OPENING
DEPOSIT
APY
Interest Rate
Months 1-9
Interest Rate
Months 10-18
 
18 Month Step Up CD $1,000.00 2.83% 2.63% 2.88%                                                        

The Annual Percentage Yield (APY) and interest rates displayed are accurate as of the date shown above. The APY is a composite yield based on two interest rate intervals and the period of time each is in effect. The minimum to open and obtain APY is $1,000. Rates may change without notice until the account is opened and minimum deposit is received. A penalty is imposed for early withdrawal. Fees could reduce earnings. This rate sheet must be used in conjunction with the Account Disclosure and Schedule of Fees for a more complete explanation of the terms and possible fees associated with this account. 

Online Accounts
Type Minimum
Opening
Deposit
$1,000 +
 APY/INT RATE
                                                
        
   
                      Everyday Checking $1,000.00  0.75% / 0.75%      

The Annual Percentage Yield (APY) and interest rate (Int Rate) is accurate as of the date shown above. This is a variable rate account, and the APY and interest rate may change at any time without notice or after the account is opened. This rate sheet must be used in conjunction with the Account Disclosure and Schedule of Fees for a more complete explanation of the terms and possible fees associated with the account. A minimum daily balance of $1,000 must be maintained to obtain APY. Fees could reduce earnings. 

Checking Accounts
Type Minimum
Opening
Deposit
$0—$999.99
APY/INT RATE
$1,000—$4,999.99
APY/INT RATE
$5,000—24,999.99
APY/INT RATE
$25,000—$49,999.99
APY/INT RATE
$50,000—$74,999.99
APY/INT RATE
$75,000 +
APY/INT RATE
Free Checking $0.00 N/A  N/A  N/A  N/A N/A  N/A
Regular Interest Checking $50.00  0.05% /0.05%  0.05% /0.05%  0.10% /0.10%  0.10% /0.10%  0.10% /0.10%  0.10% /0.10%
High-End Checking $1,000.00 0.05% /0.05% 0.05% /0.05% 0.30% /0.30% 0.40% /0.40% 0.40% /0.40% 0.40% /0.40%

The Annual Percentage Yields (APY) and interest rates (Int Rate) are accurate as of the date shown above. These are variable rate accounts, and the APY and interest rate may change at any time without notice or after the account is opened.  Each tier described above reflects the current minimum daily balance required to obtain the applicable APY. Fees could reduce earnings. This rate sheet must be used in conjunction with the Account Disclosure and Schedule of Fees for a more complete explanation of the terms and possible fees associated with the account.

Money Market Accounts
TYPE MINIMUM
OPENING
DEPOSIT
$0—$999.99
APY/INT RATE
$1,000—$9,999.99
APY/INT RATE
$10,000—24,999.99
APY/INT RATE
$25,000—$49,999.99
APY/INT RATE
$50,000—$74,999.99
APY/INT RATE
$75,000 +
APY/INT RATE
Money Market Checking $1,000.00  0.05% /0.05%  0.05% /0.05% 0.05% /0.05%
 0.05% /0.05% 0.10% /0.10% 0.20% /0.20%
High-End Money Market Savings $1,000.00  0.05% /0.05% 0.05% /0.05% 0.05% /0.05%   0.10% /0.10% 0.15% /0.15% 0.20% /0.20%

The Annual Percentage Yields (APY) and interest rates (Int Rate) are accurate as of the date shown above. These are variable rate accounts, and the APY and interest rate may change at any time without notice or after the account is opened.  Each tier described above reflects the current minimum daily balance required to obtain the applicable APY. Fees could reduce earnings. Federal transaction limitations apply to Money Market accounts. IRS penalties may apply for early withdrawal from an IRA account. Consult your tax advisor for more information. This rate sheet must be used in conjunction with the Account Disclosure and  Schedule of Fees for a more complete explanation of the terms and possible fees associated with the account.

Certificates of Deposit / Individual Retirement Accounts

TERMS
MINIMUM TO OPEN $1,000
$1,000 - $49,999.99
APY / Interest Rate
$50,000 - $99,999.99
APY / Interest Rate
$100,000 - $249,99.99
APY / Interest Rate
$250,000 +
APY / Interest Rate
3 - 5 Months 0.70% / 0.69% 0.70% / 0.69% 0.70% / 0.69% 0.70% / 0.69%
6 - 11 Months  0.75% / 0.74% 0.75% / 0.74%  0.75% / 0.74%  0.85% / 0.83% 
12 - 23 Months  0.80% / 0.79% 0.90% / 0.88%  1.00% / 0.98%  1.10% / 1.08% 
24 Months   1.05% / 1.03%  1.15% / 1.13%   1.25% / 1.23% 1.35% / 1.32% 
30 Months  1.30% / 1.27% 1.40% / 1.37%  1.50% / 1.47% 1.60% / 1.57% 
36 Months  1.30% / 1.27% 1.40% / 1.37%  1.50% / 1.47% 1.60% / 1.57% 
48 Months  1.55% / 1.52% 1.65% / 1.61%  1.75% / 1.71% 1.85% / 1.81% 
60 Months 1.80% / 1.76%  1.90% / 1.86%  2.00% / 1.95% 2.10% / 2.05% 

The Annual Percentage Yields (APY) and interest rates are accurate as of the date shown above. Rates may change without notice until the account is opened and minimum deposit is received. The applicable APY is fixed and applies to the initial term. Each tier described above reflects the minimum daily balance required to obtain the applicable APY. A penalty is imposed for early withdrawal. Fees could reduce earnings. IRS penalties may apply for early withdrawal from an IRA account. Consult your tax advisor for more information. This rate sheet must be used in conjunction with the Account Disclosure and Schedule of Fees for a more complete explanation of the terms and possible fees associated with the account.

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