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Rates

See "Disclosure of Account Terms" for details of particular program type.

Rates effective as of May 1, 2015

Savings Products

Certificates of Deposit (3,4,5,6,8,9,11)

Term

Rate

Annual Percentage Yield (APY) (3)

3 Months

0.25%

0.25%

6 Months

0.65%

0.65%

9 Months

0.45%

0.45%

12 Months

1.25%

1.26%

15 Months

0.50%

0.50%

18 Months

0.70%

0.70%

24 Months

1.50%

1.51%

27 Months 1.25% 1.26%
30 Months 1.00% 1.00%
36 Months 1.25% 1.26%
48 Months 1.60% 1.61%
60-120 Months 1.99% 2.00%

 

Passbook Savings (1,2,3,6)

Account Balance

Interest Rate

Annual Percentage Yield (APY) (3)

$0 – 199.99

0.00%

0.00%

$200 – 999.99

0.01%

0.01%

$1,000 – 4999.99

0.02%

0.02%

$5,000 +

0.05%

0.05%

 

Interest Plus Passbook Savings (1,2,3,6)

Account Balance

Interest Rate

Annual Percentage Yield (APY) (3)

$0 – 2,499.99

0.00%

0.00%

$2,500 – 24,999.99

0.02%

0.02%

$25,000 +

0.10%

0.10%

 

 e-Savings (1,2,3,7)

 Account Balance

 Interest Rate

 Annual Percentage Yield (APY) (3)

$0 - $199.99 0.00% 0.00%
 $200 - $999.99 0.02%   0.02%
 $1,000 - $4,999.00  0.05% 0.05% 
$5,000 + 0.10% 0.10%

  

Statement Savings (1,2,3,7)

Account Balance

Interest Rate

Annual Percentage Yield (APY) (3)

$0 – 199.99

0.00%

0.00%

$200 – 999.99

0.02%

0.02%

$1,000 – 4999.99

0.02%

0.02%

$5,000 +

0.05%

0.05%

 

Interest Plus Statement Savings (1,2,3,7)

Account Balance

Interest Rate

Annual Percentage Yield (APY) (3)

$0 – 2,499.99

0.00%

0.00%

$2,500 – 24,999.99

0.05%

0.05%

$25,000 +

0.15%

0.15%

 

 Christmas Club (1,3,10)

 Account Balance

 Interest Rate

 Annual Percentage Yield (APY) (3)

 $0 - $24.99  0.00% 0.00% 
 $25 +  0.01%  0.01%

 

Checking Products

 

 Simply Free Checking

 Account Balance

Interest Rate 

Annual Percentage Yield (APY) (3)

 $0 + N/A   N/A

 

Direct Plus Checking (1,2,3,7)

Account Balance

Interest Rate

Annual Percentage Yield (APY) (3)

$0.01 - $9,999.99

0.02%

0.02%

 $10,000 - $24,999.99

0.05% 

0.05% 

 $25,000 +

1.00% 

1.00% 

 

Interest Plus Checking (1,2,3,7)

Account Balance

Interest Rate

Annual Percentage Yield (APY) (3)

$0 – 1,499.99

0.00%

0.00%

$1,500 – 4,999.99

0.02%

0.02%

$5,000 – 24,999.99

0.05%

0.05%

$25,000 +

0.10%

0.10%

 

 50 Plus Checking (1,2,3,7)

 Account Balance

Interest Rate

Annual Percentage Yield (APY) (3)

 $0.01 + 0.02%  0.02% 

 

Business Checking

Professional Checking (1,2,3,7)

Account Balance

Interest Rate

Annual Percentage Yield (APY) (3)

$500 +

0.10%

0.10%

 

Corporate Checking

Account Balance

Interest Rate

Annual Percentage Yield (APY) (3)

 All

N/A

N/A

 

IRAs (Individual Retirement Accounts)

Any CDs' term/rates shown may be applied to an IRA, except 3 month or any Special CDs; Fixed-rate IRAs credit/compound monthly.

18 Month Variable-rate IRA 0.25% interest rate yielding 0.25% Annual Percentage Rate
(effective 04/01/15) (Variable rate-changes quarterly; credits/compounds quarterly)

   Deposit or withdraw at any time without penalty.
 Interest Plus IRA (1,2,3,7)

 Account Balance

Interest Rate 

Annual Percentage Yield (APY) (3) 

 $0 - $199.99 0.00%  0.00% 
$200 - $2,499.99 0.10% 0.10%
$2,500 - $24,999.99 0.15% 0.15%
$25,000 + 0.25% 0.25%

 

 

 

(1) Variable rate; subject to change at any time without notice
(2) Daily interest earned on collected balance for number of days balance falls within the various tiers at the corresponding rates
(3) Earned interest must be left in account to compound to earn APY. Any fees would reduce an account's APY.
(4) Certificate early withdraw penalties: equal to the one-half the original term's interest (earned or unearned)
(5) Certificates earn a fixed interest rate; no additions can be made until maturity
(6) Compounds/credits quarterly; For CDs: Monthly checks available on CDs except 3 month CD, which credits interest to account at maturity
(7) Compounds/credits monthly
(8) All Certificates minimum balance to open = $500.00
(9) Certificates automatically renew at the current rate paid on the particular term after a grace period of 9 days
(10) No withdrawals permitted until mid-October when checks are issued; simple interest earned
(11) Rates and terms subject to change without notice. Contact your local branch for current deposit rates.