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Interest Rates & Annual Percentage Yields

The Annual Percentage Yield is accurate as of August 31, 2021*.

Checking Account Rates  |  Money Market Account Rates  |  Savings Account Rates  |  CD & IRA Rates  |  Health Savings Account (HSA) Rates

* Interest Rates and Annual Percentage Yields Subject to Change Without Notice

Personal Checking Accounts

Products Comparison

VALUEPACK Checking

PRESTIGE Checking

PREMIUM Checking

Minimum Opening Balance

$100

$100

$100

$500 to $999.99

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

$1,000 to $9,999.99

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

$10,000 to $24,999.99

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

$25,000 to $39,999.99

Rate 0.05

APY 0..05

Rate 0.05

APY 0.05

Rate 0.10

APY 0.10

$40,000 to $99,999.99

Rate 0..05

APY 0.05

Rate 0.05

APY 0.05

Rate 0.15

APY 0.15

$100,000 to $499,999.99

 Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

Rate 0.20

APY 0.20

 $500,000 & over

Rate 0.05

APY 0.05

 

Rate 0.05

APY 0.05

 

Rate 0.25

APY 0.25

 

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

Products Comparison

Business VALUEPACK Checking

COMMERCIAL INTEREST Checking

Minimum Opening Balance

$100

$100

$1,000 to $9,999.99

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

$10,000 to $24,999.99

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

 $25,000 & over

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

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

Business Premium money market

Minimum Opening Balance

$1,000

$1,000 to $9,999.99

Rate 0.05

APY 0.05

$10,000 to $24,999.99

Rate 0.05

APY 0.05

$25,000 to $39,999.99

Rate 0.10

APY 0.10

$40,000 to $99,999.99

Rate 0.15

APY 0.15

$100,000 to $499,999.99

Rate 0.20

APY 0.20

 $500,000 & over

Rate 0.25

APY 0.25

 

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

PRODUCTS COMPARISON

PERSONAL Savings

BUSINESS Savings

CHRISTMAS Club

Minimum Opening Balance

$50

$50

$10

$25 & over

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

Rate 0.05

APY 0.05

APY = Annual Percentage Yield

Rate = Interest Rate

The minimum balance required to obtain the annual percentage yield is $25.

The rate may change after the account is opened.

Fees could reduce earnings on the account.

Certificates of Deposit Specials

 $10,000 TO $2,000,000

Term Comparison

RATE

APY

7 Months

0.20

0.20

13 Months

0.25

0.25

19 Months

0.25

0.25

25 Months

0.30

0.30

29 Months

0.35

0.35

42 Months

0.40

0.40

59 Months

0.50

0.50

APY = Annual Percentage Yield

Rate = Interest Rate

Minimum balance to open a Special Certificate of Deposit account is $10,000 and $2,000,000 maximum. The APY assumes that interest remains on deposit until maturity.

The minimum balance required to obtain the annual percentage yield is $10,000.

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 of 12 months are subject to early withdrawal penalty equal to 90 days interest on the amount withdrawn.

CDs with maturities greater than 12 months are subject to early withdrawal penalty equal to 120 days interest on the amount withdrawn.

Certificates of Deposit

$1,000 & Over

TERM COMPARISON

RATE

APY

32 Days

0.10

0.10

91 Days

0.10

0.10

182 Days

0.15

0.15

270 Days

0.15

0.15

12 Months

0.20

0.20

18 Months

0.20

0.20

24 Months

0.25

0.25

30 Months

0.30

0.30

36 Months

0.35

0.35

48 Months

0.40

0.40

60 Months

0.45

0.45

APY = Annual Percentage Yield

Rate = Interest Rate

Minimum balance to open a Certificate of Deposit account is $1,000. The minimum balance required to obtain the annual percentage yield 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 of 12 months are subject to early withdrawal penalty equal to 90 days interest on the amount withdrawn.

CDs with maturities greater than 12 months are subject to early withdrawal penalty equal to 120 days interest on the amount withdrawn.

Prime Rate Certificates of Deposit

$1,000 to $2,000,000

Term comparison

RATE

APY

12 Months

0.33

0.33

24 Months

0.49

0.49

36 Months

0.65

0.65

48 Months

0.81

0.81

APY = Annual Percentage Yield

Rate = Interest Rate

Minimum balance to open a Prime Rate Certificate of Deposit is $1,000 and $2,000,000 maximum. Minimum balance required to obtain the annual percentage yield is $1,000. Additional deposits are allowed. Maximum account balance is $2,000,000.

Early withdrawal penalties may apply and may reduce earnings.

CDs with maturities of 12 months are subject to early withdrawal penalty equal to 90 days interest on the amount withdrawn.

CDs with maturities greater than 12 months are subject to early withdrawal penalty equal to 120 days interest on the amount withdrawn.

The rate may change after the account is opened.

Individual Retirement Accounts (IRA) Certificate of Deposit

$1,000 & OVER

Term Comparison

RATE

APY

18 Months Variable

0.35

0.35

18 Months Fixed

0.35

0.35

APY = Annual Percentage Yield

Rate = Interest Rate

Minimum balance to open an IRA Certificate of Deposit is $1,000 and minimum balance required to obtain the annual percentage yield is $1,000.

Early withdrawal penalties may apply and may reduce earnings.

CDs with maturities greater than 12 months are subject to early withdrawal penalty equal to 120 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

0.05

0.05

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.

 

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