Interest Rates
Interest Rates
All Certificates of Deposit are available as IRA Investments. Current as of: February 20, 2019.
Interest Rate | APY* | |
3 MONTH | .30% | .30% |
6 MONTH | .50% | .50% |
*** SPECIAL 11 MONTH *** Open and/or Maintain a Bonus or Loyalty Checking Account to qualify for an initial additional .25% APY* on New Certificate of Deposit. |
1.49% | 1.50% |
12 MONTH |
0.75% | 0.75% |
18 MONTH |
0.85% | 0.85% |
24 MONTH | 1.05% | 1.05% |
30 MONTH | 1.15% | 1.16% |
36 MONTH | 1.25% | 1.26% |
48 MONTH | 1.35% | 1.36% |
60 MONTH | 1.50% | 1.51% |
* APY is Annual Percentage Yield. Interest on all certificates of deposit compound quarterly
** Open and/or Maintain a Bonus or Loyalty Checking Account to qualify for an initial additional .25% APY* on New Certificates of Deposit. To qualify for the premium APY* you must have a Bonus or Loyalty Checking account. The premium annual percentage yield is subject to change or discontinuance at account renewal.
Minimum deposit is $500.00. Substantial penalty for early withdrawal, See an employee for more information.
Variable Rate Accounts**
REGULAR SAVINGS |
INTEREST RATE |
APY* |
$100.00 Minimum to avoid service charge. | .20% | .20% |
Interest will be compounded quarterly. |
STUDENT SAVINGS |
INTEREST RATE |
APY* |
No Minimum | .20% | .20% |
Interest will be compounded quarterly. |
HEALTH SAVINGS |
INTEREST RATE |
APY* |
|
Daily balance of: | $0.01 - $4,999.99 | .50% | .50% |
Daily balance of: | $5,000.00 - $14,999.99 | .65% | .65% |
Daily balance of: | $15,000.00 - $34,999.99 | .75% | .75% |
Daily balance of: | $35,000.00 & Up | .85% | .85% |
IRA/SEP SAVINGS |
INTEREST RATE |
APY* |
|
Daily balance of: | $0.01 - $4,999.99 | .50% | .50% |
Daily balance of: | $5,000.00 - $14,999.99 | .65% | .65% |
Daily balance of: | $15,000.00 - $34,999.99 | .75% | .75% |
Daily balance of: | $35,000.00 & Up | .85% | .85% |
$1,000 minimum to open an account.
Interest will be compounded semi-annually.
LOYALTY CHECKING |
INTEREST RATE |
APY* |
|
Daily balance of: | $0.01 - $4,999.99 | .00% | .00% |
Daily balance of: | $5,000.00 - $49,999.99 | .50% | .50% |
Daily balance of: |
$50,000.00 - $99,999.99 |
.75% | .75% |
Daily balance of: | $100,000.00 & Up | 1.25% | 1.26% |
$5,000 minimum to open an account.
Interest will be compounded monthly.
BONUS CHECKING*** |
INTEREST RATE |
APY* |
|
Daily balance of: | $0.01 - $20,000.00 | 1.50% | 1.51% |
Daily balance of: |
$20,000.01 & Up |
.25% | .25% |
***1.50% paid on balances from $.01-$20,000.00 and .25% paid on balances over $20,000.01 when you meet the requirements per statement cycle. The requirements are at least 1 direct deposit or one ACH debit per statement cycle, accept your bank statement electronically (e-statement), and use your Visa Check Card at least 10 or more times per statement cycle as a credit purchase. The Visa Check Card transactions must post prior to the statement. If the criteria are not met, .25% APY will be paid on the entire balance.
Interest will be compounded monthly.
MONEY MARKET |
INTEREST RATE |
APY* |
|
Daily balance of: |
$0.01 - $2,499.99 |
.15% | .15% |
Daily balance of: |
$2,500.00 - $19,999.99 |
.20% | .20% |
Daily balance of: |
$20,000.00 - $49,999.99 |
.25% | .25% |
Daily balance of: |
$50,000.00 - $99,999.99 |
.30% | .30% |
Daily balance of: |
$100,000.00 - $249,999.99 |
.35% | .35% |
Daily balance of: | $250,000.00 & Up | .40% | .40% |
Interest will be compounded monthly.
*APY is annual percentage yield.
**Rates may change after the account is opened. Fees may reduce earnings.