Interest Rates and
Annual Percentage Yields
The Annual Percentage Yield is accurate as of April 3, 2013
(Interest Rates and Annual Percentage Yields Subject to Change Without Notice)
Personal Checking Accounts
| VALUEPACK Checking | PRESTIGE Checking | PREMIUM Checking | |
|---|---|---|---|
| Minimum Opening Balance | $100 | $100 | $100 |
| $500 to $999.99 |
Rate 0.05 |
Rate 0.05 |
Rate 0.10
|
| $1,000 to $9,999.99 |
Rate 0.05 |
Rate 0.05 |
Rate 0.10 |
| $10,000 to $24,999.99 |
Rate 0.10 |
Rate 0.10
|
Rate 0.15 |
| $25,000 to $39,999.99 |
Rate 0.10 |
Rate 0.10 |
Rate 0.20 |
| $40,000 to $99,999.99 |
Rate 0.10 |
Rate 0.10 |
Rate 0.25 |
| $100,000 and over |
Rate 0.10 |
Rate 0.10 |
Rate 0.30 |
APY = Annual Percentage Yield
Rate = Interest Rate
The rate may change after the account is opened.
Fees could reduce earnings on the account.
The minimum balance required to obtain the annual percentage yield is $500.
Business Checking Accounts
| VALUEPACK Checking | COMMERCIAL INTEREST Checking | |
|---|---|---|
| Minimum Opening Balance | $100 | $100 |
| $1,000 to $9,999.99 |
Rate 0.05 |
Rate 0.05 |
| $10,000 and over |
Rate 0.10 |
Rate 0.10 |
APY = Annual Percentage Yield
Rate = Interest Rate
The rate may change after the account is opened.
Fees could reduce earnings on the account.
The minimum balance required to obtain the annual percentage yield is $1,000.
Money Market Account
| PREMIUM Money Market | |
|---|---|
| Minimum Opening Balance | $1,000 |
| $1,000 to $9,999.99 |
Rate 0.10 |
| $10,000 to $24,999.99 |
Rate 0.15 |
| $25,000 to $39,999.99 |
Rate 0.20 |
| $40,000 to $99,999.99 |
Rate 0.25 |
| $100,000 and over |
Rate 0.30 |
APY = Annual Percentage Yield
Rate = Interest Rate
The rate may change after the account is opened.
Fees could reduce earnings on the account.
The minimum balance required to obtain the annual percentage yield is $1,000.
Savings Accounts
| PERSONAL Savings | BUSINESS Savings | CHRISTMAS Club Savings | |
|---|---|---|---|
| Minimum Opening Balance | $50 | $50 | $10 |
| $25 and over |
Rate 0.10 |
Rate 0.10 |
Rate 0.10 |
APY = Annual Percentage Yield
Rate = Interest Rate
For Personal Savings and Business Savings accounts, the minimum balance required to obtain the annual percentage yield is $25.
The minimum balance required to obtain the annual percentage yield for Christmas Club accounts is $25.
The rate may change after the account is opened.
Fees could reduce earnings on the account.
Flex24 Certificate of Deposit
| CD Term | RATE | APY |
|---|---|---|
| 2 Year | 0.35 | 0.35 |
A $1,000 minimum deposit is required to open a Flex24 Certificate of Deposit.
The minimum balance required to obtain annual percentage yield is $1,000.
The maximum opening deposit is $250,000.
APY = Annual Percentage Yield
Rate = Interest Rate
No institutional funds (banks, savings banks, credit unions or government entities)
Early withdrawal penalties may apply and may reduce earnings.
Early withdrawal penalty is equal to 90 days interest on the amount withdrawn.
The rate may change after the account is opened. The interest rate will not change unless you exercise the one time option to adjust the interest rate during the term.
Fixed Rate Certificates of Deposit
| $1,000 to $99,999.99 | $100,000 and Up | |||
| CD Term | RATE | APY | RATE | APY |
|---|---|---|---|---|
| 32 Days | .15 | .15 | .25 | .25 |
| 91 Days | .15 | .15 | .25 | .25 |
| 182 Days | .20 | .20 | .30 | .30 |
| 270 Days | .25 | .25 | .35 | .35 |
| 12 Months | .30 | .30 | .40 | .40 |
| 18 Months | .30 | .30 | .40 | .40 |
| 24 Months | .35 | .35 | .45 | .45 |
| 30 Months | .35 | .35 | .45 | .45 |
| 36 Months | .40 | .40 | .50 | .50 |
| 48 Months | .60 | .60 | .70 | .70 |
| 60 Months | .75 | .75 | .85 | .85 |
APY = Annual Percentage Yield
Rate = Interest Rate
Minimum balance to open a Fixed Rate CD account is $1,000. The APY assumes that interest remains on deposit until maturity.
Early withdrawal penalties may apply and may reduce earnings.
CDs with maturities less than 12 months are subject to early withdrawal penalty equal to 30 days interest on the amount withdrawn.
CDs with maturities 12 months or greater are subject to early withdrawal penalty equal to 90 days interest on the amount withdrawn.
Prime Rate Certificates of Deposit
| CD Term | RATE | APY |
|---|---|---|
| 12 Month | .39 | .39 |
| 24 Months | .49 | .49 |
| 36 Months | .65 | .65 |
| 48 Months | .82 | .82 |
APY = Annual Percentage Yield
Rate = Interest Rate
Minimum balance to open a Prime Rate Certificate of Deposit is $1,000 and minimum balance required to obtain the annual percentage yield is $1,000. Additional deposits are allowed. Maximum account balance is $250,000.
Early withdrawal penalties may apply and may reduce earnings.
CDs with maturities 12 months or greater are subject to early withdrawal penalty equal to 90 days interest on the amount withdrawn.
The rate may change after the account is opened.
Individual Retirement Accounts (IRA)
| IRA Term | RATE | APY |
|---|---|---|
| 18 Month Variable | .40 | .40 |
| 18 Month Fixed | .40 | .40 |
APY = Annual Percentage Yield
Rate = Interest Rate
Minimum balance to open an IRA Certificate of Deposit is $1,000 and minimum balance rquired to obtain the annual percentage yield is $1,000.
Early withdrawal penalties may apply and may reduce earnings.
CDs with maturities less than 12 months are subject to early withdrawal penalty equal to 30 days interest on the amount withdrawn.
CDs with maturities 12 months or greater are subject to early withdrawal penalty equal to 90 days interest on the amount withdrawn.
For Variable Rate certificates, the rate may change after the account is opened.
Any Certificate of Deposit term may be opened as an IRA Certificate of Deposit.
Health Savings Account
| RATE | APY |
|---|---|
| .10 | .10 |
APY=Annual Percentage Yield
Rate = Interest Rate
The rate may change after the account is opened.
Minimum balance required to open a Health Savings Account is $50.