Checking Rates

Effective Date: [[effective-date]]
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Program Minimum to Open Minimum Daily Balance to Earn APY Annual Percentage Yield (APY)%*
Get More Checking®* $100 $0.01-$24,999.99 0.05%
$100 $25,000-$49,999.99 0.10%
$100 $50,000-$99,999.99 0.10%
$100 $100,000-$999,999.99 0.20%
$100 Over $1,000,000 0.20%

*This is a variable rate account and rates are subject to change without notice. Fees may reduce earnings.
The Federal Deposit Insurance Corporation (FDIC) insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).

Savings Rates

Effective Date: [[effective-date]]
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Program Minimum to Open Minimum Daily Balance to Earn APY Interest Rate Annual Percentage Yield (APY)%*
Get More Tiered Money Market℠ $1,000.00 $0.01 – $24,999.99 0.10% 0.10%
$1,000.00 $25,000 – $49,999.99 0.15% 0.15%
$1,000.00 $50,000 – $99,999.99 0.20% 0.20%
$1,000.00 $100,000 – $999,999.99 0.25% 0.25%
$1,000.00 $1,000,000+ 0.30% 0.30%
Get More Money Market℠ $500.00 $0.01 0.20% 0.20%
Get Real Savings $10.00 $0.01 0.05% 0.05%
Club Savings $10.00 $0.01 0.05% 0.05%

*This is a variable rate account and rates are subject to change without notice. Fees may reduce earnings.
The Federal Deposit Insurance Corporation (FDIC) insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).

Certificates of Deposit

Effective Date: [[effective-date]]
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Program Minimum to Open Term Interest Rate Annual Percentage Yield (APY)%*
Certificate of Deposit $1,000 3 months** 0.05% 0.05%
$1,000 6 months** 0.10% 0.10%
$1,000 SPECIAL 7 months*** 4.65% 4.75%
$1,000 SPECIAL 7 month Bump Up*** 4.89% 5.00%
$1,000 9 months** 0.15% 0.15%
$1,000 SPECIAL 11 months**** 4.75% 4.85%
$1,000 SPECIAL 11 month Bump Up**** 5.00% 5.12%
$1,000 12 months** 0.20% 0.20%
$1,000 15 months** 0.25% 0.25%
$1,000 18 months** 0.30% 0.30%
$1,000 24 months** 0.35% 0.35%
$1,000 36 months** 0.40% 0.40%
$1,000 48 months** 0.45% 0.45%
$1,000 60 months** 0.50% 0.50%

Some CD rates are also available for Individual Retirement Account (IRAs) with a minimum balance of $1,000.00. IRAs are NOT available through online account opening. IRAs are NOT available for a term of less than 6 months.
*Interest is compounded monthly. Annual percentage yield (APY) assumes principal and interest remain on deposit for one year. Minimum opening deposit is $1,000. Minimum daily balance to earn stated APY is $.01. Rates offered are subject to change without notice.
**Interest rates at time of maturity set based on prevailing financial conditions. Substantial penalty on certificates should the Bank consent to early withdrawal of principal. Rates offered are subject to change without notice.

**7-Month CD

  • 5.00% Annual Percentage Yield (APY) – Promotional offer is available to new or existing checking account customers only. For new customers, both accounts, checking and CD, must be opened at the same time to unlock the bump up rate of 5.00% APY.
  • 4.75% Annual Percentage Yield (APY) – Promotional offer is available to new or existing customers without a checking account.
  • Minimum CD opening deposit is $1,000. Automatically renews at maturity for 6 months at the then current CD rate and term.
  • Minimum balance to obtain APY is $0.01. Substantial penalty for early withdrawal. Available for IRAs and business customers.

***11-MONTH CD

  • 5.12% Annual Percentage Yield (APY) – Promotional offer is available to new or existing checking account customers only. For new customers, both accounts, checking and CD, must be opened at the same time to unlock the bump up rate of 5.12% APY.
  • 4.85% Annual Percentage Yield (APY) – Promotional offer is available to new or existing customers without a checking account.
  •  Minimum CD opening deposit is $1,000. Automatically renews at maturity for 12 months at the then current CD rate and term.
  • Minimum balance to obtain APY is $0.01. Substantial penalty for early withdrawal. Available for IRAs and business customers.

The Federal Deposit Insurance Corporation (FDIC) insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).

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