Savings, Checking and CD Rates

Updated March 2016

Savings Accounts

Account Type Dividend Rate APY Minimum to Open
Account Type: Share Savings 0.15% 0.15% $5
Account Type: Business Share Savings 0.15% 0.15% $5
Account Type Dividend Rate APY Minimum to Open
Account Type: Daily/Christmas Club 0.15% 0.15% No
Account Type: Dino Mite Savers 0.15% 0.15% No

APY = Annual Percentage Yield

Dividends are declared at the end of each quarter. For the previous quarter, the above APYs were earned. All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter. Rates are subject to change without notice.

Certificates of Deposit

Account Type Interest Rate APY Minimum to Open
Account Type: Reward CD

You may make additional deposits anytime. Once your balance reaches $1,000, you have the option to upgrade to a regular CD.

0.40% 0.40% $100
Account Type: 6 month 0.30% 0.30% $1,000
Account Type: 12 month 0.60% 0.60% $1,000
Account Type: 24 month 0.70% 0.70% $1,000
Account Type: 36 month 0.90% 0.90% $1,000
Account Type: 48 month 1.05% 1.05% $1,000
Account Type: 60 month 1.15% 1.15% $1,000
Account Type: Smart CD Interest Rate APY Minimum to Open
Account Type: Smart CD 12 month 0.70% 0.70% $10,000
Account Type: Smart CD 24 month 0.80% 0.80% $10,000
Account Type: Smart CD 36 month 1.00% 1.00% $10,000
Account Type: Smart CD 48 month 1.15% 1.15% $10,000
Account Type: Smart CD 60 month 1.25% 1.26% $10,000

If under age 18, the minimum deposit for a $1,000 minimum CD is $500 and the minimum for a Reward CD is $25. 6 month CD not available for IRA. A penalty may be imposed for early withdrawal.

Health Savings Accounts (HSAs)

HSAs (tiered) Interest Rate APY Minimum
Account Type: HSA (tiered) $0-2,499 0.07% 0.07% No
Account Type: HSA (tiered) $2,500-9,999 0.15% 0.15% $2,500
Account Type: HSA (tiered) $10,000-24,999 0.18% 0.18% $10,000
Account Type: HSA (tiered) $25,000 and over 0.21% 0.21% $25,000

Checking Accounts

Account Type Interest Rate APY Minimum to Open
Account Type: iSelect Checking 0.07% 0.07% No
Account Type: Advantage Checking (tiered) $2,500-9,999 0.15% 0.15% $2,500
Account Type: Advantage Checking (tiered) $10,000-24,999 0.18% 0.18% $10,000
Account Type: Advantage Checking (tiered) $25,000 and over 0.21% 0.21% $25,000
Account Type: AdvantagePlus Checking 0.25% 0.25% $10,000
Account Type Interest Rate APY Minimum to Open
Account Type: Business Select Checking N/A N/A $100
Account Type: Business Advantage Checking 0.13%
0.13% $2,500
Account Type: Business AdvantagePlus Checking 0.25% 0.25% $10,000

iSelect and Business Advantage interest rate earned only if interest option is selected upon opening account.

Account Type Interest Rate APY Minimum to Open
Account Type: Interest Checking* 0.07% 0.07% $500
Account Type: Premium Checking* 0.12% 0.12% $1,000
Account Type: Golden Opportunities* 0.07% 0.07% No
Account Type: Member Checking* N/A N/A No
Account Type: Business Dividend Checking* 0.05% 0.05% $2,000

*These accounts no longer offered.

Money Market & Individual Retirement Accounts (IRAs)

IRAs (tiered) Interest Rate
APY Minimum
Account Type: IRA (tiered) $0 - 24,999 0.23% 0.23% No
Account Type: IRA (tiered) $25,000 - 49,999 0.28% 0.28% $25,000
Account Type: IRA (tiered) $50,000 - 99,999 0.31% 0.31% $50,000
Account Type: IRA (tiered) $100,000 and over 0.35% 0.35% $100,000
Money Market Savings (tiered) Interest Rate APY Minimum
Account Type: Money Market Savings (tiered) $0 - 24,999 0.23% 0.23% $2,500
Account Type: Money Market Savings (tiered) $25,000 - 49,999 0.28% 0.28% $25,000
Account Type: Money Market Savings (tiered) $50,000 - 99,999 0.31% 0.31% $50,000
Account Type: Money Market Savings (tiered) $100,000 and over 0.35% 0.35% $100,000

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