Personal Account Rates

Shares

Shares

Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
Regular Shares (Savings)  0.05% 0.05% $100.00 $5.00
IRA Shares 0.30% 0.30% $25.00 $25.00
Roth IRA Shares 0.30% 0.30% $25.00 $25.00
 
Fees could reduce earnings on these accounts. Rates may change at any time.

Checking

Checking

Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
Intelligent Checking*
Qualifying $0–$25,000
0.99% 1.00% $0.00 $0.00
Intelligent Checking*
Qualifying $25,000+
0.05% 0.05% $0.00 $0.00
Intelligent Checking*
Non-Qualifying
0.025% 0.025% $0.00 $0.00

Interest Checking

0.05% 0.05% $0.00 $0.00

* This product is no longer available.

Certificates

Certificates

Term Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
3 Month Reg 0.05% 0.05% $1,000.00 $1,000.00
6 Month Reg/Youth* 0.10% 0.10% $1,000.00 $1,000.00
9 Month Reg 0.10% 0.10% $1,000.00 $1,000.00
12 Month Reg/Youth* 0.10% 0.10% $1,000.00 $1,000.00
24 Month Reg/Youth* 0.30% 0.30% $1,000.00 $1,000.00
36 Month Reg 0.65% 0.65% $1,000.00 $1,000.00
60 Month Reg 1.00% 1.00% $1,000.00 $1,000.00

*Youth Certificates require a minimum balance/minimum open of $500.00. Penalties may be imposed for early withdrawal.

IRA Certificates

IRA Certificates

Term Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
6 Month Traditional/Roth IRA* 0.10% 0.10% $1,000.00 $1,000.00
12 Month Traditional/Roth IRA* 0.10% 0.10% $1,000.00 $1,000.00
24 Month Traditional/Roth IRA* 0.30% 0.30% $1,000.00 $1,000.00
36 Month Traditional/Roth IRA* 0.65% 0.65% $1,000.00 $1,000.00
60 Month Traditional/Roth IRA* 1.00% 1.00% $1,000.00 $1,000.00
*Penalty may be imposed for early withdrawal.

Money Market Accounts

Money Market Account – Tiers

Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open
$0–$999 0.05% 0.05% $0.00 $1,000.00
$1,000–$9,999 0.05% 0.05% $1,000.00 $1,000.00
$10,000–$49,999 0.10% 0.10% $10,000.00 $1,000.00
$50,000–$99,999 0.15% 0.15% $50,000.00 $1,000.00
$100,000+ 0.15% 0.15% $100,000.00 $1,000.00

 

Rates effective as of 2/15/17 and subject to change.