Personal Account Rates

Shares

Shares

Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
Regular Shares (Savings)  0.05% 0.05% $100.00 $5.00
IRA Shares 0.30% 0.30% $25.00 $25.00
Roth IRA Shares 0.30% 0.30% $25.00 $25.00
 
Fees could reduce earnings on these accounts. Rates may change at any time.

Checking

Checking

Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
Intelligent Checking*
Qualifying $0–$25,000
0.99% 1.00% $0.00 $0.00
Intelligent Checking*
Qualifying $25,000+
0.05% 0.05% $0.00 $0.00
Intelligent Checking*
Non-Qualifying
0.025% 0.025% $0.00 $0.00

Interest Checking

0.05% 0.05% $0.00 $0.00

* This product is no longer available.
Fees could reduce earnings on these accounts. Rates may change at any time.

Certificates

Certificates

Term Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
3 Month Reg 0.05% 0.05% $1,000.00 $1,000.00
6 Month Reg/Youth* 0.10% 0.10% $1,000.00 $1,000.00
9 Month Reg 0.10% 0.10% $1,000.00 $1,000.00
12 Month Reg/Youth* 0.10% 0.10% $1,000.00 $1,000.00
24 Month Reg/Youth* 0.30% 0.30% $1,000.00 $1,000.00
36 Month Reg 0.65% 0.65% $1,000.00 $1,000.00
60 Month Reg 1.00% 1.00% $1,000.00 $1,000.00

*Youth Certificates require a minimum balance/minimum open of $500.00. Penalties may be imposed for early withdrawal.
Fees could reduce earnings on these accounts. Rates may change at any time.

IRA Certificates

IRA Certificates

Term Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
6 Month Traditional/Roth IRA* 0.10% 0.10% $1,000.00 $1,000.00
12 Month Traditional/Roth IRA* 0.10% 0.10% $1,000.00 $1,000.00
24 Month Traditional/Roth IRA* 0.30% 0.30% $1,000.00 $1,000.00
36 Month Traditional/Roth IRA* 0.65% 0.65% $1,000.00 $1,000.00
60 Month Traditional/Roth IRA* 1.00% 1.00% $1,000.00 $1,000.00
*Penalty may be imposed for early withdrawal.
Fees could reduce earnings on these accounts. Rates may change at any time.

Money Market Accounts

Money Market Account – Tiers

Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
$0–$999 0.05% 0.05% $0.00 $1,000.00
$1,000–$9,999 0.05% 0.05% $1,000.00 $1,000.00
$10,000–$49,999 0.10% 0.10% $10,000.00 $1,000.00
$50,000–$99,999 0.15% 0.15% $50,000.00 $1,000.00
$100,000+ 0.15% 0.15% $100,000.00 $1,000.00

Fees could reduce earnings on these accounts. Rates may change at any time.

 

 

Rates effective as of 7/25/17 and subject to change.