Savings Rates
| Type | Dividend Rate | APY |
|---|---|---|
| Savings Minimum Balance $5 |
0.75% | 0.75% |
| Checking Minimum Balance $0 |
0.75% *1 | 0.75% |
| Money Market Minimum Balance $2500 |
1.75% | 1.76% |
| Health Savings Account Minimum Balance $0 |
1.75% | 1.76% |
| Christmas Club Minimum Balance $0 |
0.75% *2 | 0.75% |
| IRA Minimum Balance $5 |
1.75% | 1.76% |
Rates Effective 06/01/2008
- 1 $25 minimum deposit required to open a Checking account. Average Daily Balances below $500 do not earn any dividends.
- 2 Automatically transferred to Savings on Sept 30th
| Type & Minimum Balance |
Period (Months) | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| 3 | 6 | 12 | 18 | 24 | 36 | 48 | 60 | ||
| Certificate Minimum Balance $500 |
Div. Rate | 2.00% | 2.50% | 2.75% | 2.90% | 3.05% | 3.25% | 3.50% | 3.65% |
| APY | 2.02% | 2.53% | 2.78% | 2.94% | 3.09% | 3.30% | 3.56% | 3.71% | |
| Business Certificate Minimum Balance $500 |
Div. Rate | 2.00% | 2.50% | 2.75% | 2.90% | 3.05% | 3.25% | 3.50% | 3.65% |
| APY | 2.02% | 2.53% | 2.78% | 2.94% | 3.09% | 3.30% | 3.56% | 3.71% | |
| IRA Certificate Minimum Balance $500 |
Div. Rate | 2.00% | 2.50% | 2.75% | 2.90% | 3.05% | 3.25% | 3.50% | 3.65% |
| APY | 2.02% | 2.53% | 2.78% | 2.94% | 3.09% | 3.30% | 3.56% | 3.71% | |
| Premium Certificate Minimum Balance $100000 |
Div. Rate | 2.25% | 2.75% | 3.00% | 3.15% | 3.30% | 3.50% | 3.75% | 3.90% |
| APY | 2.27% | 2.78% | 3.04% | 3.20% | 3.35% | 3.56% | 3.82% | 3.97% | |
| Premium IRA Certificate Minimum Balance $100000 |
Div. Rate | 2.25% | 2.75% | 3.00% | 3.15% | 3.30% | 3.50% | 3.75% | 3.90% |
| APY | 2.27% | 2.78% | 3.04% | 3.20% | 3.35% | 3.56% | 3.82% | 3.97% | |
| HSA Certificate Minimum Balance $500 |
Div. Rate | 2.00% | 2.50% | 2.75% | 2.90% | 3.05% | 3.25% | 3.50% | 3.65% |
| APY | 2.02% | 2.53% | 2.78% | 2.94% | 3.09% | 3.30% | 3.56% | 3.71% | |
Rates Effective 08/20/2008
- * All savings rates quoted as annual percentage yields.
- ** If the term of a certificate is 18 months or less, the forfeiture is an amount equal to one month's dividends, whether earned or not. If the term of a certificate is more than 18 months, the forfeiture is an amount equal to three months' dividends, whether earned or not.
- *** Rates subject to change without a notice.
- **** Fees could reduce the earnings on an account.


