Rates are for individual personal accounts and are effective as of January 6, 2016

  • Annual Percentage Yield (APY) may change without notice.
  • Fees may reduce earnings on the account.
  • Tiered-Rate Feature: Certain accounts have “tiered-rates”. This means that the interest rate and resulting annual percentage
    yield to be earned depends on the daily balance in the account. The interest rates and annual percentage yields applicable to
    each tier are shown above. Interest rates and annual percentage yields are applicable to the daily balance.
* A minimum average daily balance of $500.00 in the checking account must be maintained.
** A minimum average daily balance of $2500.00 in the checking account must be maintained.
Personal Banking Rates — Rates are for individual personal accounts and are effective as of January 6, 2016
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PERSONAL
SAVINGS

Product

Minimum
Opening Deposit
Minimum Daily Balance
to Earn Annual
Percentage Yield
Annual Percentage
Yield
Interest Rate
Statement Savings None $250 0.25% 0.250%
Max Savings with Checking*
Tier I $500 to $24,999 $500 $500 0.35% 0.350%
Tier II   $25,000 to $49,999 $500 $25,000 0.60% 0.599%
Tier III   $50,000 and over $500 $50,000 0.80% 0.797%
Max Savings without Checking
Tier I $500 to $24,999 $500 $500 0.25% 0.250%
Tier II   $25,000 to $49,999 $500 $25,000 0.40% 0.399%
Tier III   $50,000 and over $500 $50,000 0.60% 0.599%
Max Money Market with Checking**
Tier I $500 to $24,999 $500 $500 0.40% 0.399%
Tier II   $25,000 to $49,999 $500 $25,000 0.65% 0.648%
Tier III   $50,000 and over $500 $50,000 0.90% 0.897%
Money Market Account without Checking
Tier I $500 to $24,999 $500 $500 0.15% 0.150%
Tier II   $25,000 to $49,999 $500 $25,000 0.45% 0.449%
Tier III   $50,000 and over $500 $50,000 0.65% 0.648%
  • Annual Percentage Yield (APY) may change without notice.
  • Fees may reduce earnings on the account.

 

Personal Banking Rates — Rates are for individual personal accounts and are effective as of January 6, 2016
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PERSONAL
Checking

Product

Minimum
Opening Deposit
Minimum Daily Balance
to Earn Annual
Percentage Yield
Annual Percentage
Yield
Interest Rate
Free Checking None $0 Not Applicable Not Applicable
Rewards NOW Checking $100 $100 0.25% 0.250%
Priority NOW Checking $100 $5,000 0.35% 0.350%
  • Annual Percentage Yield (APY) may change without notice. The APY assumes
    that principal and interest will remain on deposit for one year.
  • Interest begins to accrue on the business day a CD account is opened. If a
    CD is closed before interest is credited, the accrued interest is not earned.
  • The Daily Balance method is used to calculate interest on accounts.
    The Daily Balance method applies a daily periodic rate to the balance in
    the account each day.
  • There may be a penalty for early withdrawal which could reduce the earnings
    on the account.
  • After an account is opened, deposits into the account and withdrawals of
    deposited funds are not permitted until the maturity date.
  • Renewal policy for Certificates of Deposit: Accounts will automatically renew at
    maturity. There is a grace period of ten (10) calendar days after the maturity
    date to withdraw the funds without being charged a penalty.
  • Contributions to Individual Retirement Accounts are tax-deductible within the
    limits of the law. Please consult your tax advisor.
  • Early withdrawals or the closing of an IRA account could reduce earnings and
    result in tax liability.
CERTIFICATES OF DEPOSIT (Available also for CD Investments in Individual Retirement Accounts—IRAs)
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Terms of
Deposit

 

Minimum
Opening Deposit
Minimum Daily Balance
to Earn Annual
Percentage Yield
Annual Percentage
Yield
Interest Rate
3 Month CD $500 $500 0.50% 0.499%
6 Month CD $500 $500 0.55% 0.549%
12 Month CD $500 $500 0.70% 0.698%
13 Month CD $500 $500 1.25% 1.243%
17 Month CD $500 $500 1.30% 1.293%
25 Month CD $500 $500 1.40% 1.392%
35 Month CD $500 $500 1.50% 1.490%
45 Month CD $500 $500 1.75% 1.736%
59 Month CD $500 $500 2.00% 1.982%
Rates are subject to change without notice.