FDIC-Insured - Backed by the full faith and credit of the U.S. GovernmentChecking Accounts
| Account Type | Minimum Deposit to Open Account | Minimum Balance to Obtain Annual Percentage Yield (APY) | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
| Advantage Plus Checking(1) | $50.00 | $0.00 $15,000.01 | 2.96% 0.10% | 3.00%(1) 0.10%(1) |
| Advantage Plus Checking(1) | $50.00 | $0.00 | 0.05% | 0.05%(1) |
| NOW Checking* (A) | $0.00 | $0.00 | 0.05% | 0.05% |
Savings Accounts
| Account Type | Minimum Deposit to Open Account | Minimum Balance to Obtain Annual Percentage Yield (APY) | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
| Health Savings (B) | $0.00 | $0.00 | 0.05% | 0.05% |
| Advantage Savings(2) | $0.01 | $0.00 $25,000.01 |
1.24% 0.35% |
1.25%(2) 0.35%(2) |
| Advantage Savings(2) | $0.01 | $0.00 | 0.05% | 0.05%(2) |
| Passbook Savings (C) | $0.00 | $0.00 | 0.05% | 0.05% |
| Statement Savings(D) | $0.00 | $0.00 | 0.05% | 0.05% |
| Holiday/Christmas Club (E) | $3.00 | $0.00 | 0.05% | 0.05% |
| Money Market** (F) | $0.00 | Less than $2,500.00 | 0.05% | 0.05% |
| Money Market** (F) | $0.00 | to $25,000.00 | 0.15% | 0.15% |
| Money Market** (F) | $0.00 | to $50,000.00 | 0.40% | 0.40% |
| Money Market** (F) | $0.00 | to $100,000.00 | 0.40% | 0.40% |
| Money Market** (F) | $0.00 | to $200,000.00 | 0.50% | 0.50% |
| Money Market** (F) | $0.00 | Greater than $200,000.00 | 0.70% | 0.70% |
| Business Relationship Money Market** (I) | $0.00 | Less than $2,500.00 | 0.05% | 0.05% |
| Business Relationship Money Market** (I) | $0.00 | to $25,000.00 | 0.15% | 0.15% |
| Business Relationship Money Market** (I) | $0.00 | to $50,000.00 | 0.40% | 0.40% |
| Business Relationship Money Market** (I) | $0.00 | to $100,000.00 | 0.40% | 0.40% |
| Business Relationship Money Market** (I) | $0.00 | to $200,000.00 | 0.50% | 0.50% |
| Business Relationship Money Market** (I) | $0.00 | Greater than $200,000.00 | 0.70% | 0.70% |
Certificates of Deposit
| COD Term (G) *** | Minimum Deposit to Open Account | Minimum Balance to Obtain Annual Percentage Yield (APY) | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
| 3 to 5 Month | $500.00 | $500.00 | 0.05% | 0.05% |
| 6 to 11 Month | $500.00 | $500.00 | 0.10% | 0.10% |
| 12 to 23 Month | $500.00 | $500.00 | 0.10% | 0.10% |
| 24 to 35 Month | $500.00 | $500.00 | 1.99% | 2.00% |
| 36 to 47 Month | $500.00 | $500.00 | 2.47% | 2.49% |
| 48 Month | $500.00 | $500.00 | 2.47% | 2.49% |
| 60 Month | $500.00 | $500.00 | 2.47% | 2.49% |
Individual Retirement Accounts (IRA)
IRA Rates listed below are available for either a Traditional, Roth, or Coverdell Education Savings Account
| IRA COD Term (H) **** | Minimum Deposit to Open Account | Minimum Balance to Obtain Annual Percentage Yield (APY) | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
| 12 to 17 Month | $500.00 | $500.00 | 0.10% | 0.10% |
| 18 to 29 Month | $500.00 | $500.00 | 1.99% | 2.00% |
| 30 to 48 Month | $500.00 | $500.00 | 2.47% | 2.49% |
| 60 Month | $500.00 | $500.00 | 2.47% | 2.49% |
For additional information on any of the above products, contact a bank officer or customer service representative.Products (A, B, C, D, E, F, G,H,I), interest rates by balance tiers and Annual Percentage Yield (APY) stated above are accurate as of today's date. APY’s are based on interest rate as listed with products (A, B, C, D, E, F, G,H,I), and all rates are subject to change.
(I) Business Relationship Money Market Accounts (BRMMS) must be opened with a Free Business or Business Checking account(currently open or new).Accounts are subject to monthly service charge if balance falls below $10,000.00. Fees or withdrawals could reduce earnings.* NOW Accounts are subject to monthly service charge if balance falls below $1,000.00. Application of service charge fee may affect the APY.** Money Market Accounts. The effect of the account balance falling below $2,500.00 may affect the APY calculation.*** Certificate of Deposit - Penalty for early withdrawal.**** IRA (COD) Accounts Penalty for early withdrawal. Additional tax penalties may occur for early withdrawal. Consult tax advisor for tax information.
(1) All interest rates by balance tiers and Annual Percentage Yield (APY) stated above are accurate as
of today's date. Rates may change after account is opened. Minimum to open is $50 for Advantage Plus
Checking and $0.01 for Advantage Savings. For Advantage Plus Checking, if qualifications are met each
monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be
reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances
up to $15,000 receive APY of 3.00%; and (3) balances over $15,000 earn 0.10% interest rate on the
portion of the balance over $15,000, resulting in 3.00% - 0.47% APY depending on the balance. If
qualifications are not met on Advantage Plus Checking all balances earn 0.05% APY. Qualifying
transactions must post to and settle Advantage Plus Checking account during monthly qualification
cycle. Transactions may take one or more banking days from the date transaction was made to post to
and settle account. ATM-processed transactions do not count towards qualifying debit card transactions.
"Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle
through the last day of the current statement cycle. The advertised Advantage Plus Checking APY is
based on compounding interest. Interest earned in Advantage Plus Checking is automatically
transferred to Advantage Savings each statement cycle and does not compound. Actual interest amount
paid may be less than advertised Advantage Plus Checking APY. The Advantage Savings APYs may be less
than Advantage Plus Checking APYs. Transfers between accounts do not count as qualifying
transactions. Fees may reduce earnings. Limit one account per social security number. Other
restrictions may apply.
(2) All interest rates by balance tiers and Annual Percentage Yield (APY)
stated above are accurate as of today's date. Rates may change after account is opened.
Minimum to open is $50 for Advantage Plus Checking and $0.01 for Advantage Savings.
For Advantage Plus Checking, if qualifications are met each monthly qualification cycle, domestic
ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on
the last day of monthly statement cycle. Qualifying transactions must post to and settle Advantage
Plus Checking account during monthly qualification cycle. Transactions may take one or more banking
days from the date transaction was made to post to and settle account. ATM-processed transactions
do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a
period beginning the first day of the current statement cycle through the last day of the current
statement cycle. The advertised Advantage Plus Checking APY is based on compounding interest.
Interest earned in Advantage Plus Checking is automatically transferred to Advantage Savings each
statement cycle and does not compound. Actual interest amount paid may be less than advertised
Advantage Plus Checking APY. The Advantage Savings APYs may be less than Advantage Plus Checking
APYs. If qualifications in Advantage Plus Checking are met each monthly qualification cycle: (1)
balances up to $25,000 in Advantage Savings receive an APY of 1.25%; and (2) balances over $25,000
in Advantage Savings earn 0.35% interest rate on portion of balance over $25,000, resulting in
1.25% - 0.53% APY depending on the balance. If qualifications are not met on Advantage Plus Checking,
all balances in Advantage Savings earn 0.05% APY. Transfers between accounts do not count as
qualifying transactions. Fees may reduce earnings.