Interest Rates current as of July 21, 2010

(Interest Rates Subject to Change Without Notice)

Click on the links below to find out more about each Account's Interest Rates.
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Checking Account
Checking Account
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Less than $500
$500 to $999.99
$1,000 to $9,999.99
$10,000 and up
Rate APY Rate APY Rate APY Rate APY
ValuePack Checking
n/a n/a 0.10 0.10 .10 .10 0.20 0.20
Prestige Checking
n/a n/a 0.10 0.10 .10 .10 0.20 0.20
Premium Checking
n/a n/a 0.10 0.10 0.25 0.25 0.50 0.50
Business Checking
n/a n/a n/a n/a 0.10 0.10 0.25 0.25

APY = Annual Percentage Yield
RATE = Interest Rate
Fee assessments may reduce earnings on this account.

Money Market Rates
Money Market Rates
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$1,000 to $9,999.99
$10,000 to $24,999.99
$25,000 to $39,999.99
$40,000 and up
Account Name RATE APY RATE APY RATE APY RATE APY
Money Market Account
.25 .25 .50 .50 .75 .75 .75 .75

Premium Money Market

.25 .25 .50 .50 .75 .75 .89 .90
 
Account Name RATE APY
Premium Money Market over $100,000
.99

1.00

n/a n/a n/a n/a n/a n/a

APY = Annual Percentage Yield
RATE = Interest Rate
Fee assessments may reduce earnings on this account.

Savings Accounts
Savings Accounts
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Deposits less than $500
$500 to $999.99
$1,000 to $9,999.99
$10,000 and up
Account Name RATE APY RATE APY RATE APY RATE APY
Savings
.25 .25 .25 .25 .25 .25 .25 .25
Christmas Club
.25 .25 .25 .25 .25 .25 .25 .25

APY = Annual Percentage Yield
RATE = Interest Rate
Fee assessments may reduce earnings on this account.

Flex24 CD
Flex24 CD
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CD Terms Rate APY
2 Year
1.84 1.85

A $500 minimum deposit is required to open a Flex24 CD.
The maximum deposit/balance allowed per Flex24 CD 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 reduce earnings*, .
Early withdrawal penalties may apply except withdrawals for medical purposes or death.

* CDs with maturities less than 12 months are subject to early withdrawal penalty of 30 days interest on the amount withdrawn.
CDs with maturities greater than 12 months are subject to early withdrawal penalty of 90 days interest on the amount withdrawn

Special Rate Certificate of Deposit

Special Rate Certificate of Deposit
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CD Terms RATE APY
7 Months
1.15 1.15
13 Months
1.49 1.50
19 Months
1.59 1.60
25 Months
1.89 1.90
42 Months
2.33 2.35
Flex 24 CD (2 Year)
1.84 1.85

CD Specials

A $10,000 minimum deposit is required to open a CD Special.
The maximum deposit/balance allowed per CD Special is $500,000.
APY = Annual Percentage Yield
RATE = Interest Rate
Early withdrawal penalties may reduce earnings*, .
Early withdrawal penalties may apply except withdrawals for medical purposes or death.

* CDs with maturities less than 12 months are subject to early withdrawal penalty of 30 days interest on the amount withdrawn.
CDs with maturities greater than 12 months are subject to early withdrawal penalty of 90 days interest on the amount withdrawn

Flex24 CD Special 

A $500 minimum deposit is required to open a Flex24 CD.
The maximum deposit/balance allowed per Flex24 CD 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 reduce earnings*, .
Early withdrawal penalties may apply except withdrawals for medical purposes or death.

* CDs with maturities less than 12 months are subject to early withdrawal penalty of 30 days interest on the amount withdrawn.
CDs with maturities greater than 12 months are subject to early withdrawal penalty of 90 days interest on the amount withdrawn

 

Fixed Rate Certificates of Deposit
Fixed Rate Certificates of Deposit
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$1,000 to
$99,999.99
$100,000
and Up
CD Terms RATE APY RATE APY
32 Days
.50 .50 .60 .60
91 Days
.60 .60 .70 .70
182 Days
.99 1.00 1.09 1.10
270 Days
1.10 1.10 1.20 1.20
365 Days (1 Years)
1.24 1.25 1.34 1.35
547 Days (18 Months)
1.29 1.30 1.39 1.40
730 Days (2 Years)
1.64 1.65 1.74 1.75
912 Days (30 Months)
1.69 1.70 1.79 1.80
1095 Days (3 Years)
1.74 1.75 1.84 1.85
1460 Days (4 Years)
2.13 2.15 2.23 2.25
1826 Days (5 Years)
2.23 2.25 2.33 2.35

APY = Annual Percentage Yield
RATE = Interest Rate
Minimum balance to open  a Fixed CD account is $1,000. The APY assumes reinvestment of principal and interest at the same rate for one year.
Early withdrawal penalties may reduce earnings*, .
Early withdrawal penalties may apply except withdrawals for medical purposes or death.

* CDs with maturities less than 12 months are subject to early withdrawal penalty of 30 days interest on the amount withdrawn.
CDs with maturities greater than 12 months are subject to early withdrawal penalty of 90 days interest on the amount withdrawn

 

Prime Rate Certificates of Deposit
Prime Rate Certificates of Deposit
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Term RATE APY
1 Year
1.63 1.64
2 Year
1.95 1.97

APY = Annual Percentage Yield
RATE = Interest Rate
Minimum balance to open a Prime Rate Certificate of Deposit is $500. Additional deposits allowed
You may withdraw funds from Prime Rate CD balance without closing the account.  However, early withdrawal penalties may reduce earnings*,
Early withdrawal penalties may apply except withdrawals for medical purposes or death.

* CDs with maturities less than 12 months are subject to early withdrawal penalty of 30 days interest on the amount withdrawn.
CDs with maturities greater than 12 months are subject to early withdrawal penalty of 90 days interest on the amount withdrawn

Individual Retirement Accounts (IRA)
Individual Retirement Accounts (IRA)
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IRA Terms RATE APY
18 Month Variable
1.74 1.75
18 Month Fixed
1.74 1.75

Certificate of Deposit rates OR Prime Rate Certificate of Deposit rates may be used to create an IRA Account.
APY = Annual Percentage Yield
RATE = Interest Rate
Penalties for early withdrawal may apply.

Health Savings Account
Health Savings Account
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Rate APY
.25
.25

APY=Annual Percentage Yield
RATE = Interest Rate
Penalties for early withdrawal may apply.
Nonqualified distributions of HSA assets are subject to taxation and a 10% penalty unless the HSA owner is age 65 or older, dies, or is disabled.

Mortgages
Mortgages
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Click here for our Mortgage Rates.

Member FDIC | Equal Housing Lender
 

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