Interest Rates
Effective July 23, 2014
Interest Rate   Minimum Opening Deposit Annual Percentage Yield
DEPOSIT ACCOUNTS
0.05% DAY-OF-DEPOSIT SAVINGS ACCOUNTS
(minimum $50 average daily balance required to earn interest)
$25 0.05%
0.25% YOUNG SAVERS ACCOUNTS
(minimum $50 average daily balance required to earn interest)
$5 0.25%
0.15% ONE YEAR VARIABLE RATE IRA SAVINGS
(minimum $50 average daily balance required to earn interest)
$50 0.15%
0.02% NOW ACCOUNTS
(minimum $500 average daily balance required to earn interest)
$500 0.02%
0.02% CLUB ACCOUNTS
(minimum $50 average daily balance required to earn interest)
$1 0.02%
0.05% MONEY MARKET ACCOUNTS
(minimum $2,500 average daily balance required to earn interest)
$2,500 0.05%
  TIERED MONEY MARKET ACCOUNTS $10,000  
  Tier Average Daily Balance needed
to earn stated APY
 
0.05% 1 $2,500 to $25,000   0.05%
0.10% 2 $25,000 to $99,999   0.10%
0.10% 3 $100,000 to $249,999   0.10%
0.10% 4 $250,000 and over   0.10%
  HEALTH SAVINGS ACCOUNTS    
  Tier Average Daily Balance needed
to earn stated APY
 
0.10% 1 Below $500   0.10%
0.11% 2 $500 to $2,499   0.11%
0.15% 3 $2,500 to $9,999   0.15%
0.15% 4 $10,000 and over   0.15%
CERTIFICATES OF DEPOSIT
(May be subject to penalty for early withdrawal)
0.05% 30-DAY CERTIFICATES (30 DAYS) $2,500 0.05%
0.05% 90-DAY CERTIFICATES (90-179 DAYS) $2,500 0.05%
0.10% 180-DAY CERTIFICATES (180-364 DAYS) $2,500 0.10%
0.20% 1-YEAR CERTIFICATES (12-17 MONTHS)
IRA
$500
$250
*0.20%
0.20% 18-MONTH CERTIFICATES (18-29 MONTHS)
IRA
$500
$250
*0.20%
0.46% 23-MONTH CERTIFICATE *SPECIAL*
$500
*0.46%
0.35% 24-MONTH CERTIFICATES (RELATIONSHIP SPECIAL)
IRA
$500
$250
*0.35%
0.45% 36 MONTH CERTIFICATES
IRA
$500
$250
*0.45%
0.55% 48 MONTH CERTIFICATES
IRA
$500
$250
*0.55%
0.75% 60-Month Certificates/IRA $500
$250
*0.75%
*APY for CDs one year or more are based on quarterly interest.
Annual Earnings Credit Rate
(Applies to Basic Checking and Business Checking account products only)
  1.20%
  • FDIC Insured
  • CDs $50,000+ are subject to daily quote.
  • All rates are subject to change without notice.
  • Fees may reduce earnings on accounts.
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