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Consumer Deposit Rates

Consumer Deposit Rates

As of May 14, 2020
Amount Dividend Rates APY*
$5 to $99.99 .0% N/A
$100.00 and over .10% .10%
Type Dividend Rates APY*
Cash Back Checking1 N/A N/A
Basic Checking N/A
N/A
Opportunity Checking N/A
N/A
Student Checking2
N/A
N/A
Classic Checking (no longer offered)
.05%
.05%
Amount Dividend Rates APY*
$5 and over .10% .10%
Amount Dividend Rates APY*
$2,000 to $9,999.99 .15% .15%
$10,000 to $49,999.99 .35% .35%
$50,000 and over .45% .45%
Dividend Rate APY*
.25% .25%
 
IRAs can also be invested in Certificates of Deposit at the rates listed below.
($500.00 – $49,999.99)
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. 
 
Term Dividend Rates APY*
6 Month Certificate .35% .35%
9 Month Certificate .50% .50%
12 Month Certificate .62% .62%
18 Month Certificate .65% .65%
24 Month Certificate .70% .70%
36 Month Certificate .80% .80%
48 Month Certificate .85% .85%
60 Month Certificate .90% .90%
($50,000 and above)
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. 
 
Term Dividend Rates APY*
6 Month Certificate .45% .45%
9 Month Certificate .60% .60%
12 Month Certificate .72% .72%
18 Month Certificate .75% .75%
24 Month Certificate .80% .80%
36 Month Certificate .90% .90%
48 Month Certificate .95% .95%
60 Month Certificate 1.00% 1.01%
 
 
 

Balance Requirements

 
Balance Requirements Minimum to Open Minimum to Earn Dividends
Savings $5 $100 (except minor accounts)
Money Market $2,000 $2,000
IRA $5 $5
Certificate of Deposit $500 $500
Jumbo Certificate of Deposit $50,000 $50,000

Disclosures

*APY = Annual Percentage Yield

(1) Cash Back Checking Accounts must receive eStatements each month.

(2) In order to qualify for a Student Checking account you must: (1) be between the ages of 15 and 22; (2) you must have a valid student ID; and (3) if under 18, have a qualified adult joint owner.

View complete list of deposit disclosures and Fee Schedule.

Rates are subject to change at any time without notice. Fees may reduce earnings. On certificates of deposit a penalty may be imposed for early withdrawal.