Deposit Rates

Personal
Accounts

Annual
Percentage Yield (APY)

True Advantage Checking Plus

$50,000 and over

0.05%

$25,000 - $49,99.99

0.05%

$10,000 - $24,999.99

0.05%

$2,500 - $9,999.99 0.05%  

Less than $2,500.00  

0.05%

True Advantage Savings*
Requires True Advantage Checking or Checking Plus Account
$50,000 and over   0.20%
$25,000 - $49,999.99   0.15%
$10,000 - $24,999.99 0.15%
$2,500 - $9,999.99   0.10%
Less than $2,500.00 0.10%

Health Savings Checking  

$2,500 & Over

0.10%

Less than $2,500

0.05%

Direct Checking With Interest  

$.01 & Over

0.05%

Personal Money market*

$50,000 and over

0.25%

$25,000 - $49,999.99

0.20%

$10,000 - $24,999.99

0.10%

$2,500 - $9,999.99

0.05%

Less than $2,500.00    

0.00%

Welcome Savings*

$50,000 and over 0.10%

$5,000 - $49,999.99

0.08%

$1,500 - $49,999.99 0.05%
$100 - $1,499.99 0.03%

Less than $100.00    

0.03%

Starter Savings*

$50,000 and over 0.10%
$5,000 - $49,999.99 0.08%
$1,500 - $49,999.99 0.05%

$100 - $1,499.99

0.03%

Less than $100.00    

0.03%

Club Savings*

$0 and over 0.05%

Rates in effect as of 10/1/16. Please note these rates are subject to change at any time. Rates may change after the account is opened. Interest is compounded daily. Fees could reduce earnings on the account.  Minimum balance to open a checking or savings account online is $25. 

*Banking regulations governing savings and money market accounts specify that transfers into another account or to a third party by check, preauthorized automatic or telephone requests are limited to six per monthly cycle. In person transactions at a branch or ATM are unlimited.

** There are penalties for early withdrawal from a CD or IRA.

 

Certificates of Deposit

Annual
Percentage Yield (APY)

True Advantage** Less than $100,000 ($1,000 minimum to open and to earn APY) Requires True Advantage Checking or Checking Plus Account

1 - 2 months (Maturity)

0.30%

3 - 5 months (Maturity)

0.30%

6 - 8 months

0.35%

9 - 11 months

0.50%

12 - 24 months

0.70%

24 - 35 months

0.75%

36 - 47 months

0.90%

48 - 59 months

1.20%

60 months

1.25%

IRA** Fixed Rate Less than $100,000 ($500 minimum to open and to earn APY)

12 - 24 months   

0.70%

24 - 36 months   

0.75%

36 - 48 months   

0.90%

48 - 60 months   

1.20%

60 months   

1.25%

IRA** Fixed Rate - Liquid Market Rate Less than $100,000 ($500 minimum to open and to earn APY)

$50,000 and over
 

0.50%

$25,000 - $49,999.99   

0.40%

$15,000 - $24,999.99   

0.30%

$5,000 - $14,999.99  

0.30%

$4,999.99 and less
 

0.30%

 

Business
Accounts

Annual
Percentage
Yield

Business NOW

Single Tier

0.05%

Business Money Market*

$50,000 and over

0.25%

$25,000 - $49,999.99

0.20%

$5,000 - $24,999.99

0.10%

$1,500 - $4,999.99  

0.05%

Less than $1,500.00

0.00%

Business Savings*

$25,000 and over 

0.10% 

$5,000 - $24,999.99  

0.08% 

$1,500 - $49,999.99  0.05% 
$100 - $1,499.99   0.03% 
Less than $100.00    0.03%