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Deposit Rates

 

Certificate of Deposit Rates

The Certificate of Deposit Rates listed below are premium rates paid to encourage use of our website, which may not be the same rates available at a branch office.  To earn the quoted rates below, begin your Certificate of Deposit account opening process online, by clicking here

Certificate of Deposit rates effective 04/14/14.
 TermInterest Rate APY* Minimum Balance to
Obtain APY
3 months 0.20% 0.20% $500
6 months 0.25% 0.25% $500
1 year 0.30% 0.30% $500
1 1/2 year 0.35% 0.35% $500
2 years 0.40% 0.40% $500
2 1/2 years 0.45% 0.45% $500
3 years 0.55% 0.55% $500
4 years 0.75% 0.75% $500
5 years 0.85% 0.85% $500
6 years 0.85% 0.85% $500
7 years 0.85% 0.85% $500
8 years 0.85% 085% $500
9 years 0.85% 0.85% $500
10 years 0.85% 0.85% $500
* Annual Percentage Yields (APY) is based on semi-annual compounding. Additional APY tiers are available with higher minimum balance requirements. There is a substantial penalty for early withdrawal of funds on deposit in a Certificate of Deposit. Click here to view early withdrawal penalties.

 

Individual Retirement Account (IRA) Rates

IRA rates effective 04/14/14.
 TermInterest Rate APY* Minimum Balance to
Obtain APY
1 year - Fixed rate 0.15% 0.15% $500
2 years - Variable rate 0.02% 0.02% $25
2 years - Fixed rate add on 0.25% 0.25% $100
3 years - Fixed rate 0.40% 0.40% $500
4 years - Fixed rate 0.60% 0.60% $500
5 years - Fixed rate 0.85% 0.85% $500
6 years - Fixed rate  0.85%  0.85% $500 
7 years - Fixed rate  0.85%  0.85% $500 
8 years - Fixed rate  0.85%  0.85% $500 
9 years - Fixed rate  0.85%  0.85% $500 
10 years - Fixed rate 0.85% 0.85% $500
Annual Percentage Yield (APY) is based on annual compounding. There is a substantial penalty for early withdrawal of funds on deposit in an IRA. Click here to view early withdrawal penalties.
The 2-Year Fixed Rate IRA has an add-on feature. You can add deposits to this account in amounts of $25 or more at any time.
The 2-Year Variable Rate IRA has an add-on feature. You can add deposits of at least $5.00 to this account at any time. The 2-Year variable rate may change after the account is opened.

 

Consumer Interest Checking Rates

Consumer Interest Checking rates effective 04/14/14.
Simply Free CheckingAPY*RateMinimum Balance to Obtain APY
$10,000 or more 0.10% 0.10% $10,000
$5,000 to $9,999 0.05% 0.05% $5,000
$1,000 to $4,999 0.03% 0.03% $1,000
$0.01 to $999 0.01% 0.01% $0.01 
Account rate is variable and may change at any time after the account is opened.
*APY (Annual Percentage Yield) based on monthly compounding. Service charges could reduce earnings.  
 

Non-Consumer Interest Checking Rates

Non-consumer Interest Checking rates effective 04/14/14.
Free Non-Profit Checking^APY*RateMinimum Balance to Obtain APY
$100,000 or more 0.10% 0.10% $100,000
$25,000 to $99,999 0.07% 0.07% $25,000
$0.01 to $24,999 0.04% 0.04% $0.01
Free Government Checking^APY*RateMinimum Balance to Obtain APY 
$100,000 or more 0.10% 0.10% $100,000
$25,000 to $99,999 0.07% 0.07% $25,000
$0.01 to $24,999 0.04% 0.04% $0.01 
IOLTA Accounts^**APY*RateMinimum Balance to Obtain APY 
$10,000 or more 0.10% 0.10% $10,000
$5,000 to $9,999 0.10% 0.10% $5,000
$0.01 to $4,999 0.10% 0.10% $0.01
Business Interest Checking^APY*Rate Minimum Balance to Obtain APY
$10,000 or more 0.07% 0.07% $10,000
$5,000 to $9,999 0.04% 0.04% $5,000
$0.01 to $4,999 0.01% 0.01% $0.01 
^Account rates are variable and may change at any time after the account is opened.
*APY (Annual Percentage Yield) based on monthly compounding.
**IOLTA rates determined by best available interest-bearing DDA rates. 


 

Money Market Rates

Money Market rates effective 04/14/14.
Flex Money Market^APY*RateMinimum Balance
to Obtain APY
$250,000 or more 0.65% 0.65% $250,000
$100,000 to $249,999 0.55% 0.55% $100,000 
$50,000 to $99,999 0.45% 0.45% $50,000
$25,000 to $49,999 0.35% 0.35% $25,000
$10,000 to $24,999 0.25% 0.25% $10,000
$0.01 to $9,999 0.10% 0.10% $0.01  
Business Money Market^APY*RateMinimum Balance
to Obtain APY
$250,000 or more 0.65% 0.65% $250,000
$100,000 to $249,999 0.55% 0.55% $100,000 
$50,000 to $99,999 0.45% 0.45% $50,000
$25,000 to $49,999 0.35% 0.35% $25,000
$10,000 to $24,999 0.25% 0.25% $10,000
$0.01 to $9,999 0.10% 0.10% $0.01  
 

^Account rate is variable and may change at any time after the account is opened.
^Checks and transfers from a Flex Money Market account or Business Money Market account to another account or
to third parties by preauthorized, automatic or telephone transfers are limited to six (6) per month.
*APY (Annual Percentage Yield) based on monthly compounding. Service charges could reduce earnings.

 

Savings Account Rates

Savings Account rates effective 04/14/14.
My Savings^APY*RateMinimum Balance to Obtain APYMinimum Opening Deposit­­^^
$0.01 or more 0.05% 0.05% $0.01 $0.01
Simple Savings^APY*Rate Minimum Balance to Obtain APYMinimum Opening Deposit^^
$0.01 or more 0.05% 0.05% $0.01 $0.01
 Club Savings 2014± APY**Rate  Minimum Balance to Obtain APYMinimum Opening Deposit 
Automatic Deduction Club Account+ 0.10% 0.10%  $0.01  $1.00
Coupon Book Club Account++ 0.05% 0.05%   $0.01    $1.00 
 
^Account rate is variable and may change at any time after the account is opened.
^Transfers from a My Savings or Simple Savings account to another account or to third parties by preauthorized,
automatic or telephone transfers are limited to six (6) per month.

*APY (Annual Percentage Yield) based on quarterly compounding. Service charges could reduce earnings.
**APY (Annual Percentage Yield) based on annual compounding. Service charges could reduce earnings.

^^Minimum Opening Deposit for accounts opened online is $0.01.  Accounts opened in person at a branch do not require an
opening deposit.

Club Savings 2014
±There is a $25 penalty assessed for each early withdrawal before maturity.
+Start date 10/01/13 - End date 09/29/14
++Start date 10/01/13 - End date 09/26/14