Deposit Rates

Checking

Rates effective as of November 1, 2017

  Standard checking Premier Checking Premier Plus Checking
Dividends      
Dividend Rate None .10% .10%
Annual Percentage Yield None .10% .10%
Dividends Compounded None Monthly Monthly
Dividends Credited None Monthly Monthly

 

Truth-in-Savings Disclosures
Fee Schedule


Savings

Rates effective as of November 1, 2017

  Primary savings Holiday Account Insured Money Management Fund
Dividends      
Dividend Rate .10% .10% .15%
Annual Percentage Yield .10% .10% .15%
Dividends Compounded Quarterly Monthly Monthly
Dividends Credited Quarterly Monthly Monthly
Dividend Period Calendar Quarter -  

 

Truth-in-Savings Disclosures
Fee Schedule


Insured Money Markets

Rates effective as of November 1, 2017

  Account Balance
$10,000 - $24,999
Account Balance
$25,000 - 49,999 
 Account Balance
$50,000+
DIVIDENDS      
Dividend Rate .15% .20% .25% 
Annual Percentage Yield .15% .20% .25% 
Dividends Compounded Monthly Monthly Monthly
Dividends Credited  Monthly  Monthly Monthly
BALANCE REQUIREMENTS      
Minimum Opening Deposit  $10,000 $25,000 $50,000
Minimum Balance to Avoid
a Service Fee
None None None
Minimum Balance to Earn
the Stated APY
$10,000 $25,000 $50,000
Balance Method Daily Balance Daily Balance Daily Balance

ACCOUNT LIMITATIONS (See
section 5 of disclosure)

Account transfer 
and withdrawal
limitations apply
Account transfer 
and withdrawal
limitations apply
Account transfer 
and withdrawal
limitations apply
 

Truth-in-Savings Disclosures
Fee Schedule


Health Savings Accounts (HSA)

Rates effective as of November 1, 2017

  Account
Balance
$0 - $2,499
Account
Balance
$2,500 - $4,999
Account
Balance
$5,000 - $9,999
Account
Balance
$10,000+
DIVIDENDS
Dividend Rate .05% .10% .15% .20%
Annual Percentage Yield .05% .10% .15% .20%
Dividends Compounded Monthly Monthly Monthly Monthly
Dividends Credited Monthly Monthly Monthly Monthly
BALANCE REQUIREMENTS
Minimum Opening Deposit $25.00 $25.00 $25.00 $25.00
Minimum Balance to Avoid a Service Fee None None None None
Minimum Balance to Earn the Stated APY - $2,500 $5,000 $10,000
Balance Method Daily Balance Daily Balance Daily Balance Daily Balance
ACCOUNT LIMITATIONS
  Limitations apply Limitations apply Limitations apply Limitations apply

Truth-in-Savings Disclosures
Fee Schedule


Certificates of Deposit

Deposits under $25,000

Rates effective as of November 1, 2017

  Account Balance Account Balance

Minimum
Opening
Deposit

 $500 $10,000 
Dividends
Compounded
 Quarterly Quarterly 

Dividends
Credited

 ---* ---* 
TERM - Fixed Dividend
Rate
Annual
Percentage
Yield
Dividend 
Rate
Annual
Percentage
Yield
90 Day .20%  .20%  .30%  .30% 
6 Month  .25%  .25%  .35%  .35% 
90 Day Add-on Certificate .20%  .20%  ---  --- 
6 Month Add-on Certificate .25%  .25%  ---  --- 
1 Year  .40%  .40%  .50%  .50% 
18 Month  .45%  .45%  .55%  .55% 
2 Year  .55%  .55%  .65%  .65% 
3 Year  .95%  .95%  1.05%  1.00% 
4 Year  1.20%  1.21%  1.30%  1.31% 
5 Year  1.45%  1.46%  1.55%  1.56% 
Additional Deposits  Add-on 
Certificates Only** 
 Add-on 
Certificates Only** 
Withdrawals   Dividends Only Dividends Only 
IRA/ESA Withdrawals   Allowed with penalty Allowed with penalty 
Renewable   Automatic  Automatic
 

Deposits over $25,000

Rates effective as of November 1, 2017

  Account Balance Account Balance 

Minimum
Opening
Deposit

$25,000  $100,000 
Dividends
Compounded
Quarterly  Quarterly 

Dividends
Credited

---*  ---* 
TERM - Fixed Dividend
Rate
Annual
Percentage
Yield 
Dividend
Rate
Annual
Percentage
Yield
90 Day .35%  .35%  .45%  .45% 
6 Month  .40%  .40%  .50%  .50% 
90 Day Add-on Certificate ---  ---  ---  --- 
6 Month Add-on Certificate ---  ---  ---  --- 
1 Year  .55%  .55%  .65%  .65% 
18 Month  .60%  .60%  .70%  .70% 
2 Year  .70%  .70%  .80%  .80% 
3 Year  1.10%  1.10%  1.20%  1.21% 
4 Year  1.35%  1.36%  1.45%  1.46% 
5 Year  1.60%  1.61%  1.70%  1.71% 
Additional Deposits   Add-on 
Certificates Only** 
Add-on 
Certificates Only** 
Withdrawals  Dividends Only  Dividends Only 
IRA/ESA Withdrawals  Allowed with penalty  Allowed with penalty 
Renewable   Automatic Automatic 
 
 

*90 day IRA/ESA Certificates and 90 day Add-on IRA/ESA Certificates are not available.
**Additional deposits of $50.00 or greater are allowed on 90 day and 6 month Add-on Certificates only.

Truth-in-Savings Disclosures
Fee Schedule


IRA

Rates effective as of November 1, 2017

IRA/Educational Share Account (ESA) 
DIVIDENDS  
Dividend Rate .25%
Annual Percentage Yield .25%
Dividends Compounded Quarterly
Dividends Credited Quarterly
BALANCE REQUIREMENTS  
Minimum Opening Deposit $25
Minimum Balance to Avoid a Service Fee None
Minimum Balance to Earn the Stated APY None
Balance Method Daily Balance
Monthly Account Fee None
Minimum Balance Fee None
ACCOUNT LIMITATIONS (See section 5 of disclosure) Account transfer limitations apply

Truth-in-Savings Disclosures
Fee Schedule