Rates

Current Rates
NOW Account
Balance to obtain APY
Interest Rate
APY*
$1,000 - $2,499.99
0.05%
0.05%
$2,500.00 - $24,999.99
0.05%
0.05%
$25,000.00 - $49,999.99
0.05%
0.05%
$50,000.00 - $74,999.99
0.05%
0.05%
$75,000.00 - $99,999.99
0.10%
0.10%
$100,000 and over
0.15%
0.15%
*APY = Annual Percentage Yield. For balances under $1,000 there is no interest earned and a $10 service charge. $100 minimum opening balance. Subject to change. Fees may reduce earnings. Effective 4/16/2014. Unlimited check writing.


Current Rates
Product
Interest rate
APY*
Regular Savings
0.10%
0.10%
Christmas Savings
0.05%
0.05%
*APY = Annual Percentage Yield. Rates effective as of 4/16/2014. Rates subject to change. Fees may reduce earnings. $100 opening deposit required for Regular Savings.
Money Market Account
Personal and Business
Balance to obtain APY
Interest Rate
APY*
$2,500.00 - $24,999.99
0.05%
0.05%
$25,000.00 - $49,999.99
0.05%
0.05%
$50,000.00 - $74,999.99
0.05%
0.05%
$75,000.00 - $99,999.99
0.10%
0.10%
$100,000.00 and over
0.15%
0.15%
*APY = Annual Percentage Yield. Rates effective as of 4/16/2014. Rates subject to change. Fees may reduce earnings. $100 minimum opening deposit. Under $2500 earns no interest. 6 free withdrawals per month. $10 for each additional withdrawal.
Super Money Market Account
Personal Only
Balance to obtain APY
Interest Rate
APY*
$100,000 and over
0.40%
0.40%
*APY = Annual Percentage Yield. Rates effective as of 4/16/2014. Rates subject to change. Fees may reduce earnings. $100,000 minimum opening deposit. Under $100,000 earns 0.05% APY and $10 service fee. 6 free withdrawals per month. $10 for each additional withdrawal.
Current Rates
Certificates of Deposit
Product
Interest Rate
APY
31 to 90 Days - Compound at Maturity
0.05%
0.05%
91 to 181 Days - Compound at Maturity
0.05%
0.05%
6 Month - Compound at Maturity
0.10%
0.10%
9 Month - Compound Semiannually
0.40%
0.40%
12 Month - Compound Semiannually
0.15%
0.15%
15 Month - Compound Semiannually
0.70%
0.70%
24 Month - Compound Semiannually
0.35%
0.35%
30 Month - Compound Semiannually
0.95%
0.95%
36 Month - Compound Semiannually
0.55%
0.55%
60 Month - Compound Semiannually
1.05%
1.05%
72 Month - Compound Semiannually
1.49%
1.50%
Effective as of 4/16/2014. Subject to change without prior notice. APY assumes rate remains the same for one year on maturities less than one year and that interest is added back to the principal. $500 minimum deposit for CDs 12 months and over. $2,500 minimum deposit required for CDs less than 12 months. Substantial penalty for early withdrawal. Please read penalty disclosures when opening account. 31-181 day term (90 days of interest penalty), 6 month term (180 days of interest penalty), 9 months to 30 months (365 days of interest penalty), 36 months to 72 months (540 days of interest penalty).

CD Balance of $25,000 or higher required to have an interest check mailed to you. *APY = Annual Percentage Yield.

***rate change option - during the term you may exchange the interest rate for a new rate we are offering on any other time account with a term equal to the remaining term of this account if you meet all qualifying term and conditions. The maturity date will remain the same. This option may be taken one time.
IRAs
Product
Interest Rate
APY
18 Month Fixed - Compound Semiannually
0.70%
0.70%
18 Month Variable - Compound Semiannually
0.70%
0.70%
36 Month Fixed - Compound Semiannually
0.55%
0.55%
36 Month Variable - Compound Semiannually
0.55%
0.55%
60 Month Fixed - Compound Semiannually
1.05%
1.05%
60 Month Variable - Compound Semiannually
1.05%
1.05%
Effective as of 4/16/2014. Subject to change without prior notice. APY assumes rate remains the same for one year on maturities less than one year and that interest is added back to the principal. *APY = Annual Percentage Yield. Minimum deposit required. Fees may reduce earnings. Substantial penalty for early withdrawal. Please read penalty disclosures when opening account. 18 month IRA has 365 days of interest penalty, 36 month and 60 month IRA have 540 days of interest penalty. Rates are subject to change.