Effective: April 20, 2017

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

Certificate Of Deposit
Term Annual Percentage Yield (APY)

Minimum To Open

Minimum To Earn APY
       
3 Month 0.35%
$1,000
$1,000
6 Month 0.50%
$1,000
$1,000
12 Month 0.70%
$1,000
$1,000
18 Month 0.85%
$1,000
$1,000
 24 Month  1.10%
$1,000
$1,000
30 Month 1.20%
$1,000
$1,000
36 Month 1.35%
$1,000
$1,000
48 Month 1.45%
$1,000
$1,000
60 Month 1.65%
$1,000
$1,000

Member FDIC. An early withdrawal penalty may be imposed on withdrawals of principal prior to maturity. Rates are subject to change without notice. Fees could reduce earnings.

 

Savings Accounts
Product Annual Percentage Yield (APY) Minimum To Open
Minimum To Earn APY
Statement Savings 0.25%

$50 **

$0.00
Money Market 0.35%
0.30%
0.20%
0.15%
0.10%
0.10%
$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 0.50%
0.45%
0.35%
$50,000
$250,000+
$100,000 - 249,999
$50,000 - 99,999
IRA / SEP Tiered Savings 1.40%
1.20%
1.10%
1.00%
0.80%
0.50%
$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 0.40% $100
$0.00
HSA Savings 1.10%
1.05%
0.95%
0.90%
0.55%
0.40%
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 Minimum Deposit To Open  Minimum Daily Balance To Obtain APY Interest Rate
Annual Percentage Yield (APY)
uPIC Interest
if 1 qual is met
if 2 qualif2 met
if 3 qual are met
if all 4 qualif met
 

 

 

no minimum

 no minimum
 no minimum
 no minimum
 no minimum
 $0.01-$24,999.99
 $25,000+

 

 0.10%
 0.15%
 0.40%
 0.45%
 3.25%
 0.30%

 

 0.10%
 0.15%
 0.40%
 0.45%
 3.30%
 1.05% - 3.30%3

 

Basic Plus Checking  $10,000   $10,000  0.35%  0.35% 
HSA Checking  $100  $10,000 + 
$5,000 - 9,999
$500 - 4,999 

0.49%
0.49%
0.49%

0.50%
0.50%
0.50%
Platinum Plus Checking4 $10,000  $10,000 0.35%
0.35%
Platinum Checking4 $1,000 $5,000 + 
$1,000 - 4,999 
0.20%
0.10%
0.20%
0.10%
Interest Checking4 $500  $10,000 + 
$5,000 - 9,999
$500 - 4,999
0.15%
0.10%
0.05%
0.15%
0.10%
0.05%

1 Interest rates and APYs 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 accounts.

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 daily balances will result in a lower APY.

4 These products are not currently available.

Member FDIC.

 

Business Checking Accounts
Product Minimum Deposit To Open  Minimum Daily Balance To Obtain APY Interest Rate
Annual Percentage Yield (APY)
Business Plus Checking $500 $10,000+
$5,000-9,999
$500 - 4,999 

0.15%
0.10%
0.05%

0.15%
0.10%
0.05%
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

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