Deposit Rates

Effective as of 3/25/2020

  • Rates are variable and subject to change after account is opened, excluding fixed rate Certificates of Deposit and fixed rate IRAs.
  • Fees may reduce earnings.

Savings Accounts

Savings AccountsMinimum
Required Balance
Interest RateAnnual Percentage Yield
Statement Savings$100.000.02%0.02%
Basic Money Market*: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees$2,500.00 or more0.02%0.02%
$2,499.99 or less0.00%0.00%
Premier Money Market*: Tiered Account ; $2,500.00 Minimum Average Balance required to avoid fees$5,000.00 or more0.05%0.05%
More than $2,499.99 less than $5,000.000.02%0.02%
$2,499.99 or less0.00%0.00%
High Yield Money Market*: Tiered Account; $2,500.00 Minimum Average Balance required to avoid fees$10,000.00 or more0.07%0.07%
More than $4,999.99 less than $10,000.000.05%0.05%
More than $2,499.99 less than $5,000.000.02%0.02%
$2,499.99 or less0.00%0.00%
Prime Money Market*: Tiered Account; $2,500.00
Minimum Average Balance required to avoid fees
$400,000 or more0.15%0.15%
More than $24,999.99 but less than $400,0000.10%0.10%
More than $9,999.99 less than $25,000.000.07%0.07%
More than $4,999.99 less than $10,000.000.05%0.05%
Daily Balance is $4,999.99 or less0.02%0.02%

*6 pre-authorized transfers or checks per month. Daily compounding. $7.50 monthly service charge if average balance drops below $2,500.  Interest is paid on the full balance for the corresponding tier.

Checking Accounts

DescriptionMinimum
Required Balance
Interest RateAnnual Percentage Yield
Essential Checking; $100 to open account. Avoid $3 monthly service charge with eStatements OR direct deposit.No Minimum Balance0.00%0.00%
eChecking; $100.00 to open account; $10 nationwide ATM fee refunds; Avoid $10 monthly service charge with eStatements AND Direct Deposit.No Minimum Balance0.02%0.02%
Connection Checking; $100 to open account. Free initial order of standard checks. $10 nationwide ATM fee refunds. Avoid $10 monthly service charge when balance requirements are met. $2,500 Minimum Balance OR $10,000 total deposit balance0.02%0.02%
Christmas Club Accounts
-Penalty for early withdrawal
No Minimum Balance0.02%0.02%

Rates are variable and subject to change after account is opened.  Fees can reduce earnings.


Certificates of Deposit

DescriptionInterest RateAnnual Percentage Yield
6-month CD0.15%0.15%
12-month CD0.25%0.25%
18-month CD0.35%0.35%
24-month CD0.40%0.40%
36-month CD0.45%0.45%
48-month CD0.50%0.50%
60-month CD0.55%0.55%

$1,000.00 minimum balance required to open CD. No deposit can be added. Substantial penalties for early withdrawals. Interest at maturity on CDs 6 months and less. Quarterly compounding on CDs 9 months and over. Fees may reduce earnings.

IRAs (Traditional, Roth & Educational)

DescriptionInterest RateAnnual Percentage Yield 
12-month Fixed0.25%0.25%
18-month Fixed0.35%0.35%
IRA Savings*
$100 min. balance required. Tiered account.
Daily balance $250,000 or more0.30%0.30%
Daily balance between $150,000 and $249,999.990.20%0.20%
Daily balance between $50,000 and $149,999.990.10%0.10%
Daily balance between $0.01 and $49,999.990.05%0.05%

$1,000.00 minimum balance required to open IRA. No deposit can be added. Substantial penalties for early withdrawals. Quarterly compounding on accounts 9 months and over.  Fees may reduce earnings.
*$100.00 minimum balance required to open. Deposits can be added. Quarterly compounding. Fees may reduce earnings. Rates are variable and subject to change without notice.

HSA Accounts (Tiered Account)

DescriptionInterest RateAnnual Percentage Yield 
Balance $0 - $1000.000.00%0.00%
Balance $1000.01 to $2500.000.02%0.00% - 0.01%
Balance $2500.01 to $4000.000.05%0.01% - 0.03%
Balance $4000.01 to $6000.000.07%0.03% - 0.04%
Balance over $6000.010.10%0.04% - 0.10%

$20.00 startup fee to open account. $500.00 minimum average monthly balance to avoid $2.00 service charge.

 

 


Statement Savings

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