Personal Account Rates

Shares

Shares

Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
Regular Shares (Savings)  0.050% 0.050% $100.00 $5.00
IRA Shares 0.300% 0.300% $25.00 $25.00
Roth IRA Shares 0.300% 0.300% $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
2.225% 2.250% $0.00 $0.00
Intelligent Checking
Qualifying $25,000+
0.150% 0.150% $0.00 $0.00
Intelligent Checking
Non-Qualifying
0.050% 0.050% $0.00 $0.00

Interest Checking

0.050% 0.050% $0.00 $0.00


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 0.499% 0.500% $1,000.00 $1,000.00
6 Month Reg/Youth* 0.598% 0.600% $1,000.00 $1,000.00
6 Month Special  Reg/Youth** 1.094% 1.100% $1,000.00 $1,000.00
9 Month Reg 0.300% 0.300% $1,000.00 $1,000.00
12 Month Reg/Youth* 0.797% 0.800% $1,000.00 $1,000.00
24 Month Reg/Youth* 1.045% 1.050% $1,000.00 $1,000.00
36 Month Reg 1.292% 1.300% $1,000.00 $1,000.00
60 Month Reg 1.980% 2.000% $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.

**Offer is subject to change and may be discontinued at any time, but no later than 6/30/2018. $1,000 minimum to open and must be money not currently in existing iQ accounts. Renews automatically to the then-current 6-month certificate. Penalty for early withdrawal. No partial withdrawals or additional deposits allowed to the same certificate. It is available for personal, business, and IRA certificates. May not be combined with any other offer.

IRA Certificates

IRA Certificates

Term Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
6 Month Traditional/Roth IRA* 0.598% 0.600% $1,000.00 $1,000.00
12 Month Traditional/Roth IRA* 0.797% 0.800% $1,000.00 $1,000.00
24 Month Traditional/Roth IRA* 1.045% 1.050% $1,000.00 $1,000.00
36 Month Traditional/Roth IRA* 1.292% 1.300% $1,000.00 $1,000.00
60 Month Traditional/Roth IRA* 1.980% 2.000% $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 0.050% 0.050% $1,000.00 $1,000.00
$1,000–$9,999 0.050% 0.050% $1,000.00 $1,000.00
$10,000–$49,999 0.100% 0.100% $10,000.00 $1,000.00
$50,000–$99,999 0.150% 0.150% $50,000.00 $1,000.00
$100,000+ 0.150% 0.150% $100,000.00 $1,000.00

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

 

 

Rates effective as of 05/21/18 and subject to change.