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Current Rates

Rates effective as of 10/01/14
PERSONAL AND BUSINESS CERTIFICATES OF DEPOSIT

Term (Months) Annual Percentage Yield (APY) Minimum Investment to Open/Earn APY Term (Months) Annual Percentage Yield (APY) Minimum Investment to Open/Earn APY
3 0.20% $1,000 36 1.25% $1,000
6 0.20% $1,000 48 1.50% $1,000
12 0.75% $1,000 60 1.75% $1,000
18 0.90% $1,000 96 1.10% $1,000
24 1.05% $1,000 120 1.20% $1,000
30 1.25% $1,000

Penalty for early withdrawal.

MONEY MARKET (PERSONAL) and MONEY MARKET (BUSINESS)

Account | Tiers Annual Percentage Yield (APY) Average Monthly Minimum Balance Required to Earn APY
MMA VI 0.45%  $1,000,000 and Above
MMA V 0.45%  $500,000 – $999,999
MMA IV 0.40%  $250,000 – $499,999
MMA III 0.35%  $100,000 – $249,999
MMA II 0.25%  $50,000 – $99,999
MMA I 0.20%  $1 – $49,999

Money Market utilize tiered interest rates. Min. opening deposit $100. For MMA I-VI, if average monthly balance falls below $2,500, a $10.00 fee will apply. Rates are variable and subject to change. Each account requires a minimum balance to earn specified APY. Unlimited cash withdrawals may be made from Money Market/Savings Accounts, at no extra charge, by using special withdrawal tickets available in our branches. By law, only six non-cash withdrawal transactions are permitted per statement cycle. For MONEY MARKET (PERSONAL) and MONEY MARKET (BUSINESS) a $5 fee per occurrence will be levied for transactions over limits. Accounts that consistently exceed limits will automatically and permanently revert to non-interest bearing accounts. Fees may reduce earnings.

PERSONAL CHECKING

Account Annual Percentage Yield (APY) Average Available Monthly Balance Below Minimum Balance Fee Minimum Opening Deposit
Interest Checking Tier I ($2,500 – $9,999) 0.05%Tier II ($10,000+) 0.10% $2,500 $10 $100
Prime Checking (50+) Tier I ($500 – $9,999) 0.05%Tier II ($10,000+) 0.10% $500 $10 $100

There is no minimum balance requirement to receive the stated APY. Fees may reduce earnings. Rates are subject to change at any time at management’s discretion, without limitation on the percentage of change.

SAVINGS (PERSONAL) and SAVINGS (BUSINESS)

Account Annual Percentage Yield (APY) Average Available Monthly Balance Below Minimum Balance Fee Minimum Opening Deposit
Youth Savings 0.25% $25 $0 $25
Savings (Personal) 0.15% $100 $30/quarter $100
Savings (Business) 0.15% $500 $30/quarter $100

There is no minimum balance requirement to receive the stated APY. Fees may reduce earnings. Rates are subject to change at any time at management’s discretion, without limitation on the percentage of change.

BUSINESS EARNING CREDIT (CORPORATE CHECKING ACCOUNT)
0.40% APY

Fees & Terms

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Looking for details on accounts opened prior to March 17, 2014

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