Savings, Checking and CD Rates

Updated March 2016

Savings Accounts

Account Type Dividend Rate APY Minimum to Open
Share Savings .15% .15% $5
Business Share Savings .15% .15% $5
Account Type Dividend Rate APY Minimum to Open
Daily/Christmas Club .15% .15% no minimum
Dino Mite Savers .15% .15% no minimum

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
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
6 month 0.30%
0.30% $1,000
12 month 0.60%
0.60% $1,000
24 month 0.70%
0.70% $1,000
36 month 0.90%
0.90% $1,000
48 month 1.05%
1.05% $1,000
60 month 1.15%
1.15% $1,000

Account Type: Smart CD  Interest Rate APY Minimum to Open
12 month 0.70%
0.70% $10,000
24 month 0.80%
0.80% $10,000
36 month 1.00%
1.00% $10,000
48 month 1.15%
1.15%  $10,000
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
$0-2,499 .07%
.07% no minimum
$2,500-9,999 .15%
.15% $2,500
$10,000-24,999 .18%
.18% $10,000
$25,000 and over .21%
.21% $25,000

Checking Accounts

Account Type Interest Rate APY Minimum to Open
iSelect Checking .07%
.07% no minimum
Advantage Checking (tiered)
     $2,500-9,999 .15%
.15% $2,500
     $10,000-24,999 .18%
.18% $10,000
     $25,000 and over .21%
.21% $25,000
AdvantagePlus Checking .25%
.25% $10,000

Account Type Interest Rate APY Minimum to Open
Business Select Checking N/A N/A $100
Business Advantage Checking .15%
.15% $2,500
Business AdvantagePlus Checking .25% .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
Interest Checking* .07%
.07% $500
Premium Checking* .12%
.12% $1,000
Golden Opportunities* .07%
.07% no minimum
Member Checking* N/A
N/A no minimum
Business Dividend Checking* .05%
.05% $2,000

*These accounts no longer offered.

Money Market & Individual Retirement Accounts (IRAs)

IRAs (tiered)  Interest Rate
APY Minimum
$0 - 24,999 .23% .23% no minimum
$25,000 - 49,999 .28% .28% $25,000
$50,000 - 99,999 .31% .31% $50,000
$100,000 and over .35% .35% $100,000
Money Market Savings (tiered)  Interest Rate APY Minimum
$0 - 24,999 .23%
.23% $2,500
$25,000 - 49,999 .28%  .28% $25,000
$50,000 - 99,999 .31%
.31% $50,000
$100,000 and over .35%
.35% $100,000

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