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Rates

Effective: April 12, 2018

RATES MAY CHANGE AT ANY TIME. PLEASE CALL ANY OF OUR LOCATIONS FOR OUR MOST CURRENT RATES

Certificates of Deposit

 Term   Annual Percentage Yield (APY)  Minimum to Open  Minimum to Earn APY

 3 Month

 

0.75%

0.60%

 $10,000

$1,000

 $10,000

$1,000

 6 Month

 

1.00%

0.80%

 $10,000

$1,000

 $10,000

$1,000

 12 Month

1.25%

1.00%

 $10,000

$1,000

 $10,000

$1,000

 18 Month

1.35%

1.10%

 $10,000

$1,000

 $10,000

$1,000

 24 Month

1.50%

1.25%

 $10,000

$1,000

 $10,000

$1,000

 30 Month

1.60%

1.40%

 $10,000

$1,000

 $10,000

$1,000

 36 Month

1.75%

1.60%

 $10,000

$1,000

 $10,000

$1,000

 48 Month 

2.00%

1.75%

 $10,000

$1,000

 $10,000

$1,000

 60 Month 

 2.25%

 2.00%

 $10,000

$1,000

 $10,000

$1,000

 39 Month Special

with one Step-Up

  2.50% 

   $5,000

    New Money 

  $5,000 

 

Savings Accounts

Product Annual Percentage Yield (APY) Minimum to Open Minimum to Earn APY
Statement Savings 0.35% $50** $0

Savings Plus4

0.15%

0.15%

 $2,500

$2,500+

$0 - $2,499



Money Market


0.65%
0.60%
0.55%
0.50%
0.45%
0.40%



$2,500
$100,000 +
$50,000 - $99,999
$25,000 - $49,999
$10,000 - $24,999
$2,500 - $9,999
$0 - $2,499


Elite Savings

0.90%
0.80%
0.70%

$50,000
$250,000 +
$100,000 - $249,999
$50,000 - $99,999


IRA/SEP Tiered Savings
2.20%
2.00%
1.80%
1.60%
1.40%
1.20%


$100
$150,000+
$100,000 - $149,000
$50,000 - $99,000
$25,000 - $49,999
$10,000 - $24,999
$0 - $9,999
Coverdell Education Savings 0.50% $100 $0


HSA Savings
1.40%
1.20%
1.10%
1.00%
0.80%
0.70%


None

$150,000 +
$100,000- $149,000
$50,000 - $99,000
$25,000 - $49,999
$10,000 - $24,999
$0 - $9,999

 

**The minimum balance requirement is waived for minors 18 and younger. Member FDIC. These Savings Accounts are variable rate accounts, thus the rate is subject to change at any time without notice. Fees could reduce earnings.

 

Personal Checking Accounts

Product Annual Percentage Yield¹ (APY)

Interest

Rate¹

Minimum to Open Minimum to Earn APY

uPIC Interest

if 1 qualf is met

if 2 qualif²  met

if 3 qualif met

if all 4 qualif  met

0.10%

0.15%

0.40%

0.45%

3.30%

1.05% - 3.30%³

0.10%

0.15%

0.40%

0.45%

3.25%

0.30%

no minimum

 

no minimum

no minimum

no minimum

no minimum

$0.01 - $24,999.99

$25,000 +

Basic Plus Checking

0.35%

0.35% $10,000 $10,000

 

HSA Checking

 

0.70%

0.60%

0.50%

0.69%

0.59%

0.49%

 

$100

$10,000+

$5,000 - 9,999

$500 - 4,999

Platinum Plus Checking4

0.35%

 

0.35%   $10,000 $10,000 

Platinum Checking4

0.20%
0.10%

0.20%

0.10% 

$1,000 $5,000 +
$1,000 - $4,999

 

Interest Checking4

0.15%
0.10%
0.05%

0.15%

0.10%

0.05% 


$500
$10,000 +
$5,000 - $9,999
$500 - $4,999

¹ Interest rates and APY's are accurate as of the effective date shown above and are subject to change without notice.  These checking accounts are variable-rate accounts therefore the interest rate and APY may change after account opening.  Fees could reduce earnings.  Contact us for current rates, fees, and other terms and conditions for these acccounts.

² Qualifiers for uPIC Interest Checking - To be eligible for a higher interest rate and APY, simply meet one or more of the following qualifiers during each monthly statement cycle:

- Be enrolled and receive eStatements (if you choose paper statements, a fee of $3 per statement applies). - At least one direct deposit (ACH credit) posts to the account.

- At least 15 debit card POS purchases post and settle to the account.

- Have over $50,000 in a consumer banking relationship (comprised of the current month's average available balance in consumer deposits and/or the current outstanding principle balance in consumer loans we service, excluding credit card accounts, as of the business day before the statement cycle ends; the primary accountholder on the checking account must also be the primary accountholder on all other accounts comprising the qualifying consumer banking relationship).

³ When the daily balance in this account is $25,000 or more, the APY varies because two different interest rates are in effect (one for the portion of the daily balance that is less than $25,000 and one for the portion of the daily balance that is $25,000 or more).  The 1.05% APY is based on a $100,000 daily balance.  Higher balances will result in a lower APY.

4 These products are not currently available.

Member FDIC. These Checking Accounts are variable rate accounts, thus the rate is subject to change at any time without notice. Fees could reduce earnings.

 

Business Checking Accounts

Product Annual Percentage Yield (APY) Minimum to Open Minimum to Earn APY

Business Plus

0.15%
0.10%
0.05%

$500

$10,000 +
$5,000 - $9,999
$500 - $4,999
Member FDIC. These Checking Accounts are variable rate accounts, thus the rate is subject to change at any time without notice. Fees could reduce earnings. 

 

Contact Us

Calculators

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