Deposit Rates
The Latest Rates for Checking, Savings, Money Markets and More
Rewards Checking & Rewards Saver
| Account Name | Minimum Balance to Open Account | Minimum Balance to Obtain APY | Balance From | Balance To | Rate1 | APY1 | Monthly Qualifications2 |
|---|---|---|---|---|---|---|---|
| Rewards Checking | $100.00 | $0.01 | $0.01 | $15,000.00 | 1.01% | 1.01% | met |
| $15,000.00 | and above | 0.15% | range of 1.01% - 0.26% depending on the balance | met | |||
| $0.01 | and above | 0.10% | 0.10% | not met | |||
| Rewards Saver | $100.00 | $0.01 | $0.01 | and above | 0.35% | 0.35% | met |
| 0.10% | 0.10% | not met |
Checking
| Account Name | Minimum Balance to Open Account | Minimum Balance to Obtain APY | Balance From | Balance To | Rate1 | APY1 |
|---|---|---|---|---|---|---|
| Prestige | $100.00 | $300.00 | $300.00 | $9,999.99 | 0.05% | 0.05% |
| $10,000.00 | $19,999.99 | 0.10% | 0.10% | |||
| $20,000.00 | $49,999.99 | 0.10% | 0.10% | |||
| $50,000.00 | and above | 0.15% | 0.15% | |||
| Commercial Checking with Interest | $250.00 | $0.01 | $0.01 | and above | 0.05% | 0.05% |
| earnings credit 0.80% |
Savings
| Account Name | Minimum Balance to Open Account | Minimum Balance to Obtain APY | Balance From | Balance To | Rate1 | APY1 |
|---|---|---|---|---|---|---|
| Savings Account | $100.00 | $300.00 | $300.00 | and above | 0.10% | 0.10% |
| Health Savings Account (HSA) | $1.00 | $300.00 | $300.00 | $9,999.99 | 0.20% | 0.20% |
| $10,000.00 | and above | 0.45% | 0.45% | |||
| Money Market | $2,500.00 | $0.01 | $0.01 | $9,999.99 | 0.15% | 0.15% |
| $10,000.00 | $24,999.99 | 0.15% | 0.15% | |||
| $25,000.00 | $49,999.99 | 0.25% | 0.25% | |||
| $50,000.00 | and above | 0.35% | 0.35% |
Certificates of Deposit and IRAs
| Account Name | Minimum Balance to Open Account | Minimum Balance to Obtain APY | Balance From | Balance To | Rate1 | APY1 |
|---|---|---|---|---|---|---|
| 13 Month CD Special³ | $10,000.00 | $10,000.00 | $10,000.00 | and above | 1.84% | 1.85% |
| 18 Month Flex CD⁴ | $1,000.00 | $1,000.00 | $1,000.00 | and above | 1.50% | 1.51% |
| 36 Month Rising CD⁵ | $1,000.00 | $1,000.00 | $1,000.00 | and above | 1st year 1.40% | blended APY 1.72% |
| 2nd year 1.70% | ||||||
| 3rd year 2.00% | ||||||
| 6 Month CD & IRA³ | $5,000.00 $3,000.00 for IRA | $5,000.00 $3,000.00 for IRA | $5,000.00 | $24,999.99 | 0.25% | 0.25% |
| $25,000.00 | $49,999.99 | 0.35% | 0.35% | |||
| $50,000.00 | and above | 0.50% | 0.50% | |||
| 12 Month CD & IRA³ | $5,000.00 $3,000.00 for IRA | $5,000.00 $3,000.00 for IRA | $5,000.00 | $24,999.99 | 0.65% | 0.65% |
| $25,000.00 | $49,999.99 | 0.75% | 0.75% | |||
| $50,000.00 | and above | 0.85% | 0.85% | |||
| 24 Month CD & IRA³ | $5,000.00 $3,000.00 for IRA | $5,000.00 $3,000.00 for IRA | $5,000.00 | $24,999.99 | 0.75% | 0.75% |
| $25,000.00 | $49,999.99 | 1.00% | 1.00% | |||
| $50,000.00 | and above | 1.25% | 1.25% | |||
| 36 Month CD & IRA³ | $5,000.00 $3,000.00 for IRA | $5,000.00 $3,000.00 for IRA | $5,000.00 | $24,999.99 | 0.85% | 0.85% |
| $25,000.00 | $49,999.99 | 1.10% | 1.10% | |||
| $50,000.00 | and above | 1.35% | 1.35% | |||
| 48 Month CD & IRA³ | $5,000.00 $3,000.00 for IRA | $5,000.00 $3,000.00 for IRA | $5,000.00 | $24,999.99 | 1.00% | 1.00% |
| $25,000.00 | $49,999.99 | 1.25% | 1.25% | |||
| $50,000.00 | and above | 1.50% | 1.50% |
Variable Rate IRA
| Account Name | Minimum Balance to Open Account | Minimum Balance to Obtain APY | Balance From | Balance To | Rate1 | APY1 |
|---|---|---|---|---|---|---|
| 18 Month Variable Rate IRA⁶ | $250.00 | $250.00 | $250.00 | and above | 0.50% | 0.50% |
All rates quoted are valid as of 9/1/2018 unless otherwise noted.
1 The interest rate and the Annual Percentage Yield (APY) are subject to change at the Bank's discretion, at any time without limitation. APY assumes monthly compounding on personal and business checking, money market accounts, HSA accounts; and quarterly compounding on Savings account.
2 The Monthly qualification cycle requirements: 1 automatic payment or direct deposit and 12 debit card purchases must post and settle to Rewards Checking and must be enrolled and agree to receive eStatements.
3 APY assumes quarterly compounding and that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalties may be imposed for early withdrawal.
4 APY assumes quarterly compounding and that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalty may be imposed for early withdrawal if made within the first seven days after account opening. You may close out the CD or make withdrawals in increments of $1,000 without penalty, after the account has been open for 8 days.
5 APY assumes quarterly compounding and that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalty may be imposed for early withdrawal. You may close out the CD or make a withdrawal without penalty on the anniversary date and within 10 days thereafter.
6 The interest rate and APY are subject to change at the Bank's discretion, at any time without limitation. APY assumes quarterly compounding and that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalty may be imposed for early withdrawal. You may make additional contributions to your IRA as is allowable by IRS contribution limits.
For municipalities and other public funds please call for a rate quote.