Savings, Checking and CD Rates

Updated March 2016

Savings Accounts

Account Type Minimum to Open Dividend Rate APY
Share Savings $5 .10% .10%
Business Share Savings $5 .10% .10%
Account Type Minimum to Open Dividend Rate APY
Daily/Christmas Club no minimum .10% .10%
Dino Mite Savers no minimum .10% .10%

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.

Checking Accounts

Account Type

Minimum to Open Interest Rate APY
iSelect Checking no minimum .05% .05%
Advantage Checking (tiered)
     $2,500-9,999 $2,500 .13% .13%
     $10,000-24,999 $10,000 .16% .16%
     $25,000 and over $25,000 .19% .19%
AdvantagePlus Checking $10,000 .22% .22%

Account Type

Minimum to Open Interest Rate APY
Business Select Checking no minimum N/A N/A
Business Advantage Checking $2,500 .13% .13%
Business AdvantagePlus Checking $10,000 .22% .22%

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

Account Type

Minimum to Open Interest Rate APY
Interest Checking* $500 .05% .05%
Premium Checking* $1,000 .10% .10%
Golden Opportunities* no minimum .05% .05%
Member Checking* no minimum N/A N/A
Business Dividend Checking*  $2,000 .05% .05%

*These accounts no longer offered.

Certificates of Deposit

Account Type

Minimum to Open Interest Rate APY
Reward CD           

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

$100 0.35% 0.35%
6 month $1000 0.25% 0.25%
12 month $1000 0.45% 0.45%
24 month $1000 0.55% 0.55%
36 month $1000 0.75% 0.75%
48 month $1000 0.90% 0.90%
60 month $1000 1.00% 1.00%

Account Type Minimum to Open Interest Rate APY
12 month $10,000 0.55% 0.55%
24 month $10,000 0.65% 0.65%
36 month $10,000 0.85% 0.85%
48 month $10,000 1.00%  1.00%
60 month $10,000 1.10% 1.10%

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)   Minimum Interest Rate APY
$0-2,499 no minimum .05% .05%
$2,500-9,999 no minimum .13% .13%
$10,000-24,999 no minimum .16% .16%
$25,000 and over no minimum .19% .19%

Money Market & Individual Retirement Accounts (IRAs)

IRAs (tiered)  Minimum Interest Rate APY
$0 - 24,999 no minimum .20% .20%
$25,000 - 49,999 no minimum .25% .25%
$50,000 - 99,999 no minimum .27% .27%
$100,000 and over no minimum .30% .30%
Money Market Savings (tiered)   Minimum Interest Rate APY
$0 - 24,999 $2,500 .20% .20%
$25,000 - 49,999   .25% .25%
$50,000 - 99,999   .25% .25%
$100,000 and over   .25% .25%

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