Personal Rates
Personal Checking Accounts
| Type of Account | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield | Annual Percentage Yield | Interest Rate |
|---|---|---|---|---|
| Regular Checking | $100.00 | N/A | N/A | N/A |
| Economy Checking | $100.00 | N/A | N/A | N/A |
| NOW Checking* | $100.00 | $1,500.00 | 0.05% | 0.04% |
| Premium NOW Tier 1* | $25,000.00 | $25,000.00 - $49,999.99 | 0.05% | 0.04% |
| Premium NOW Tier 2* | $25,000.00 | $50,000.00 - $149,999.99 | 0.10% | 0.09% |
| Premium NOW Tier 3* | $25,000.00 | 150,000.00 and over | 0.15% | 0.14% |
*NOW Accounts are “variable rate” accounts and the rates may change after account opening.
Money Market Accounts
| Type of Account | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield | Annual Percentage Yield | Interest Rate |
|---|---|---|---|---|
| Money Market Tier 1* | $2,500.00 | $2,500.00 - $24,999.99 | 0.50% | 0.498% |
| Money Market Tier 2* | $2,500.00 | $25,000.00 - $49,999.99 | 2.00% | 1.98% |
| Money Market Tier 3* | $2,500.00 | $50,000.00 - $249,999.99 | 3.50% | 3.45% |
| Money Market Tier 4* | $2,500.00 | $250,000.00 and over | 4.00% | 3.93% |
*Money Market Accounts are “variable rate” accounts and the rate may change after account opening.
Savings Accounts
| Type of Account | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield | Annual Percentage Yield | Interest Rate |
|---|---|---|---|---|
| Statement Savings* | $100.00 | $200.00 | 0.05% | 0.04% |
| High Yield Savings Tier 1* | $1,000.00 | $1,000.00-$9,999.99 | 0.05% | 0.04% |
| High Yield Savings Tier 2* | $1,000.00 | $10,000.00 and over | 3.50% | 3.45% |
*Savings Accounts are “variable rate” accounts and the rate may change after account opening.
Certificate of Deposit Accounts
Penalties may be imposed for early withdrawals
| Type of Account | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield | Annual Percentage Yield | Interest Rate |
|---|---|---|---|---|
| 12 Month | $500.00 | $500.00 | 3.75% | 3.68% |
| 15 Month* | $500.00 | $500.00 | 4.00% | 3.92% |
| 18 Month | $500.00 | $500.00 | 0.30% | 0.29% |
| Bump Up 20 Month CD** | $500.00 | $500.00 | 4.15% | 4.07% |
| 24 Month | $500.00 | $500.00 | 0.35% | 0.34% |
| 36 Month | $500.00 | $500.00 | 0.50% | 0.49% |
| 60 Month | $2500.00 | $2500.00 | 0.60% | 0.59% |
*This account will automatically renew at maturity into a fixed rate twelve (12) month certificate of deposit at the current interest rate in effect on the maturity date.
**Interest rate can be increased once during the initial term of the account to the interest rate then in effect on the Bump Up 20 Month CD. This account will automatically renew at maturity into a fixed rate twenty four (24) month certificate of deposit at the current interest rate in effect on the maturity date.
Individual Retirement Accounts
Penalties may be imposed for early withdrawals
| Type of Account | Minimum Opening Deposit Required | Minimum Balance to Obtain Annual Percentage Yield | Annual Percentage Yield | Interest Rate |
|---|---|---|---|---|
| 12 Month | $500.00 | $500.00 | 3.75% | 3.68% |
| 15 Month* | $500.00 | $500.00 | 4.00% | 3.92% |
| 18 Month | $500.00 | $500.00 | 0.30% | 0.29% |
| Bump Up 20 Month CD** | $500.00 | $500.00 | 4.15% | 4.07% |
| 24 Month | $500.00 | $500.00 | 0.35% | 0.34% |
| 36 Month | $500.00 | $500.00 | 0.50% | 0.49% |
| 60 Month | $2500.00 | $2500.00 | 0.60% | 0.59% |
| IRA Savings*** | $500.00 | $500.00 | 0.05% | 0.04% |
*This account will automatically renew at maturity into a fixed rate twelve (12) month certificate of deposit at the current interest rate in effect on the maturity date.
**Interest rate can be increased once during the initial term of the account to the interest rate then in effect on the Bump Up 20 Month CD. This account will automatically renew at maturity into a fixed rate twenty four (24) month certificate of deposit at the current interest rate in effect on the maturity date.
***The IRA Savings Account is a “variable rate” account and the rate may change after account opening.
Interest rates are subject to change without notice
Fees may reduce earnings.
