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Resources> Deposit Rates

1. Certificates of Deposit (CDs)*
(Effective: Wednesday, May 24, 2017)
Program
Term
APY
CDs
6 months
0.30%
12 months
0.45%
18 months
0.50%
24 months
0.75%
30 months
0.80%
36 months
1.10%
48 months
1.40%
60 months
1.75%
*Annual Percentage Yield (APY) accurate as of the above effective date and subject to change before account opening. Minimum deposit to open is $1,000. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.


2. Bump-Up Certificates of Deposit (CDs)*
(Effective: Wednesday, May 24, 2017)
Program
Term
APY
18 Month Bump-Up CD
18 months
0.45%
42 Month Bump-Up CD
42 months
1.09%
*Annual Percentage Yield (APY) accurate as of the above effective date and subject to change before account opening. Minimum deposit to open is $1,000. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. At the account holder’s request, the interest rate and APY may be increased one time during the 18-month term or two times during the 42-month term of the CD prior to maturity without penalty to the current interest rate and APY available for new CDs of the same type at the time of the request. This feature is available only if the interest rate and APY available for new CDs of the same type have increased during the term of the CD. The new rate will be paid from the time of the request until the maturity date.


3. Money Market Accounts*
(Effective: Wednesday, May 24, 2017)
Program
Minimum Daily Balance
to earn APY
APY
Inner Circle
Money Market Account

(Minimum deposit to open $10,000.)
$100,000.00 and above  0.35 %
$50,000.00   to  $99,999.99   0.25 %
$25,000.00   to  $49,999.99   0.15 %
$10,000.00   to  $24,999.99   0.15 %
$5,000.00   to  $9,999.99   0.10 %
$1,000.00   to  $4,999.99   0.05 %
$0.01   to  $999.99   0.05 %
Money Market
Account

(Minimum deposit to open $100.)
$10,000.00 and above  0.15 %
$2,500.00   to  $9,999.99   0.10 %
$0.01   to  $2,499.99   0.05 %
*Annual Percentage Yield (APY) accurate as of the above effective date subject to change at any time. The APY may change after the account is opened. Fees could reduce the earnings on the account. These rates are available for consumer accounts only.


4. Business Money Market Accounts*
(Effective: Wednesday, May 24, 2017)
Program
Minimum Daily Balance
to earn APY
APY
Business Premium Plus
Money Market Account

(Minimum deposit to open $10,000.)
$100,000.00 and above  0.40 %
$50,000.00   to  $99,999.99   0.25 %
$25,000.00   to  $49,999.99   0.15 %
$10,000.00   to  $24,999.99   0.15 %
$5,000.00   to  $9,999.99   0.10 %
$1,000.00   to  $4,999.99   0.05 %
$0.01   to  $999.99   0.05 %
Business Money
Market Account

(Minimum deposit to open $100.)
$10,000.00 and above  0.20 %
$0.01   to  $9,999.99   0.10 %
*Annual Percentage Yield (APY) accurate as of the above effective date and subject to change at any time. The APY may change after the account is opened. Fees could reduce the earnings on the account. These rates are available for business accounts only.


5. NOW Checking Accounts*
(Effective: Wednesday, May 24, 2017)
Program
Minimum Daily Balance
to earn APY
APY
Direct Checking
with Interest

$100.00
0.05%
High Interest
Checking

$100,000.00 and above  0.35 %
$50,000.00   to  $99,999.99   0.25 %
$25,000.00   to  $49,999.99   0.15 %
$10,000.00   to  $24,999.99   0.15 %
$5,000.00   to  $9,999.99   0.10 %
$1,000.00   to  $4,999.99   0.05 %
$0.01   to  $999.99   0.00 %
*Annual Percentage Yield (APY) accurate as of the above effective date and subject to change at any time. The APY may change after the account is opened. Minimum deposit to open $25. Fees could reduce the earnings on the account. These rates are available for consumer accounts only.


Savings Accounts*
(Effective: Wednesday, May 24, 2017)
Program
APY
Statement Savings
0.05%
Passbook Savings
0.05%
*Annual Percentage Yield (APY) accurate as of the above effective date and subject to change at any time. The APY may change after the account is opened. Minimum deposit to open $5. Minimum daily balance to obtain APY is $.01. Fees could reduce the earnings on the account. These rates are available for consumer accounts only.