Personal Checking Accounts

   

 

Account Type

Tier Interest Rate

APY

Choice Checking *

$0.01 - $499.99

0.00%

0.00%

 

$500.00 - $9,999.99

0.05%

0.05%

 

$10,000.00 - $24,999.99

0.10%

0.10%

 

$25,000.00 and Above

0.25%

0.25%

 
Gold Checking (50 years or better)*

$0.01 - $499.99

0.00%

0.00%

 

$500.00 - $9,999.99

0.05%

0.05%

 

$10,000.00 - $24,999.99

0.10%

0.10%

 

$25,000.00 and Above

0.25%

0.25%

 
Smart e Checking-Qualifying Account

$0.01 - $25,000.00

1.49%

1.50%

 

$25,000.01 and Above

0.35%

0.35% - 1.50%

 
Smart e Checking-Non qualifying Account

$0.01 - $25,000.00

0.05%

0.05%

 

$25,000.01 and Above

0.05%

0.05%

Interest Rates Effective as of  January 28, 2015 /  APY = Annual Percentage Yield
*Minimum balance to obtain APY is $500.00  /  Compounding Frequency - Monthly
Fees could reduce earnings  /  Interest Rates may change after the account is opened

 


 

Personal Savings Accounts

 

 

Account Type

Tier

Interest Rate 

APY

Basic*

$0.01 -  and Above

0.10%

0.10%

Christmas Club**

$0.01 -  and Above

 0.10%

0.10% 

 
Money Market***

$0.01 - $9,999.99

0.10%

0.10%

 

$10,000.00 - $24,999.99

0.15%

0.15%

 

$25,000.00 and Above

0.20%

0.20%

Interest Rates Effective as of January 28, 2015 /  APY = Annual Percentage Yield
*$50.00 Minimum balance to open  /  Compounding frequency - quarterly
**Minimum daily balance to obtain APY $.01 / Compounding frequency - annually
***$1,000.00 Minimum balance to open  /  Compounding frequency - monthly
Fees could reduce earnings  /  Interest Rates may change after the account is opened

 


 

 

Business Checking Accounts

 

 

Account Type

Tier Interest Rate

APY

Business Plus Checking (Sole Proprietorship and non-profit organization)(*)(**)

$0.01- $499.99

0.00%

0.00%

 

$500.00- $9,999.99

0.05%

0.05%

 

$10,000.00 - $24,999.99

0.10%

0.10%

 

$25,000.00 and Above

0.25%

0.25%

Interest Rates Effective as of January 28, 2015 /  APY = Annual Percentage Yield
*0.40% earnings credit on principal balance each day. Applied against fees incurred for monthly statement cycle
**Minimum balance to obtain APY - $500.00  /  Compounding frequency - monthly
Fees could reduce earnings / Interest Rates may change after the account is opened

 


 

Business Savings Accounts

 

 

Account Type

Tier Interest Rate

APY

Basic*

$0.01 - and Above

0.10%

0.10%

 
Money Market**

$0.01 - $9,999.99

0.10%

0.10%

 

$10,000.00 - $24,999.99

0.15%

0.15%

 

$25,000.00 and Above

0.20% 

0.20%

Interest Rates Effective as of January 28, 2015 /  APY = Annual Percentage Yield
*$50.00 minimum balance to open / Compounding frequency - Quarterly.
**$1,000.00 minimum balance to open  /  Compounding Frequency - Monthly
Fees could reduce earnings  /  Interest Rates may change after the account is opened

 


 

 

Certificates of Deposit

 

 

Account Type

Tier Interest Rate

APY

SPECIAL 50 MONTH**

$500.00

 1.49%

 1.50%

SPECIAL 21 MONTH**

$500.00

 0.75%

 0.75%

7 - 89 Day *

$500.00

0.15%

0.15%

3 Month **

$500.00

0.15%

0.15%

6 Month **            

$500.00

0.20%

 0.20%

12 Month **

$500.00

0.35%

 0.35%

18 Month **

$500.00

0.45%

0.45%

24 Month **

$500.00

 0.55%

0.55%

36 Month **

$500.00

 0.85%

0.85% 

48 Month **  

$500.00

1.00%

1.00%

60 Month **

$500.00

1.14%

1.15%

 

 

 

Interest Rates Effective as of January 28, 2015 /  APY - Annual Percentage Yield
*$500.00 Minimum balance to open. $500.00 Minimum balance to obtain APY. Compounding frequency-maturity.
**$500.00 Minimum balance to open. $500.00 Minimum balance to obtain APY. Compounding frequency-quarterly.
A penalty may be imposed for withdrawal before maturity.