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Savings Rates

Premier Savings
Statement Savings
Money Market
Certificates of Deposit (CDs)
Retirement Certificates of Deposit (CDs)
Laddered Certificates of Deposit (CDs)
Health Savings
Holiday or Vacation Club

Rates are subject to change at any time without notice. To ensure you are viewing the most current rates, click the "Refresh" button on your browser.

Premier Savings

Updated May 27, 2017

 

Annual Percentage Yield*

Interest Rate

Frequency of Rate Change**

Interest Compounding

Interest Credited

Minimum
Opening
Balance

Minimum
Balance to
Earn APY

$0.01-$9,999.99

0.03%

0.03%

Variable

Monthly

Monthly

$300.00

$.01

$10,000.00 - $49,999.99

0.05%

0.05%

$50,000.00 - $99,999.99

0.07%

0.07%

$100,000.00+

0.10%

0.10%

 

Statement Savings

Updated May 27, 2017

Annual Percentage Yield* 0.03%
Interest Rate 0.03%
Frequency of Rate Change** Variable
Interest Compounded Monthly
Interest Credited Monthly
Minimum Opening Deposit Required $100.00
Minimum Balance to Earn Annual Percentage Yield $.01

 

Money Market Savings

Updated May 27, 2017

 

Annual Percentage Yield*

Interest Rate

Frequency of Rate Change**

Interest Compounding

Interest Credited

Minimum
Opening
Balance

Minimum
Balance
to Earn APY

$0.01-$24,999.99

0.03%

0.03%

Variable

Monthly

Monthly

$500.00

$0.01

$25,000.00 - $49,999.99

0.05%

0.05%

$50,000.00 - $99,999.99

0.10%

0.10%

$100,000.00+

0.15%

0.15%

 

Certificates of Deposit (CDs)

Updated May 27, 2017

 

91-Day

6-Month

9-Month

1-Year

18 Month

18 Month Variable Rate

Annual Percentage Yield*

0.10%

0.15%

0.20%

0.25%

0.40%

0.15%

Interest Rate

0.10%

0.15%

0.20%

0.25%

0.40%

0.15%

Frequency of Rate Change**

At Maturity

At Maturity

At Maturity

At Maturity

At Maturity

Variable

Interest Compounding

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Interest Credited

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Minimum Opening Deposit Required

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

Minimum Balance to Earn 
Annual Percentage Yield

$0.01

$0.01

$0.01

$0.01

$0.01

$0.01

 

 

2-Year

2-Year Smart Investment

3-Year

4-Year

5-Year

1 Year Tax-Deferred

Annual Percentage Yield*

0.50%

0.40%

0.80%

0.90%

1.10%

0.25%

Interest Rate

0.50%

0.40%

0.80%

0.90%

1.09%

0.25%

Amount of Time Interest Rate in Effect

At Maturity

Until Bump Option 
or at Maturity

At Maturity

At Maturity

At Maturity

At Maturity

Interest Compounded

Monthly

Monthly

Monthly

Monthly

Monthly

Simple

Interest Credited

Monthly

Monthly

Monthly

Monthly

Monthly

At Maturity

Minimum Opening Deposit Required

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

Minimum Balance to Earn 
Annual Percentage Yield

$0.01

$0.01

$0.01

$0.01

$0.01

$0.01

 

Retirement Certificates of Deposit (CDs)

Updated May 27, 2017

 

91-Day1

6-Month1

9-Month1

1-Year1

18 Month1

18 Month Variable Rate1

Annual Percentage Yield*

0.10%

0.15%

0.20%

0.25%

0.40%

0.15%

Interest Rate

0.10%

0.15%

0.20%

0.25%

0.40%

0.15%

Frequency of Rate Change**

At Maturity

At Maturity

At Maturity

At Maturity

At Maturity

Variable

Interest Compounding

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Interest Credited

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Minimum Opening Deposit Required

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

Minimum Balance to Earn 
Annual Percentage Yield

$0.01

$0.01

$0.01

$0.01

$0.01

$0.01

 

 

2-Year1

2-Year Smart Investment1

3-Year1

4-Year1

5-Year1

Annual Percentage Yield*

0.50%

0.40%

0.95%

1.06%

1.25%

Interest Rate

0.50%

0.40%

0.95%

1.05%

1.24%

Amount of Time Interest Rate in Effect

At Maturity

Until Bump Option 
or at Maturity

At Maturity

At Maturity

At Maturity

Interest Compounded

Monthly

Monthly

Monthly

Monthly

Monthly

Interest Credited

Monthly

Monthly

Monthly

Monthly

Monthly

Minimum Opening Deposit Required

$1,000.00

$1,000.00

$1,000.00

$1,000.00

$1,000.00

Minimum Balance to Earn 
Annual Percentage Yield

$0.01

$0.01

$0.01

$0.01

$0.01

 

Laddered CDs

Updated May 27, 2017

Option 1 - 3 Year Package2

 

Annual Percentage Yield (APY)*

Interest Rate

Frequency of Rate Change**

Interest Compounding

Interest Credited

Minimum Balance to
Open Account

Minimum Balance to Earn APY

1 Year CD

0.40%

0.40%

At Maturity

Monthly

Monthly

$10,000.00

$0.01

2 Year CD

0.65%

0.65%

At Maturity

$10,000.00

$0.01

3 Year CD

0.95%

0.95%

At Maturity

$10,000.00

$0.01

 

Option 2 - 5 Year Package2

 

Annual Percentage Yield (APY)*

Interest Rate

Frequency of Rate Change**

Interest Compounding

Interest Credited

Minimum Balance to
Open Account

Minimum Balance to Earn APY

1 Year CD

0.40%

0.40%

At Maturity

Monthly

Monthly

$10,000.00

$0.01

2 Year CD

0.65%

0.65%

At Maturity

$10,000.00

$0.01

3 Year CD

0.95%

0.95%

At Maturity

$10,000.00

$0.01

4 Year CD

1.06%

1.05%

At Maturity

$10,000.00

$0.01

5 Year CD

1.25%

1.24%

At Maturity

$10,000.00

$0.01

 

Health Savings

Updated May 27, 2017

 

Annual Percentage Yield*

Interest Rate

Frequency of Rate Change**

Interest Compounding

Interest Credited

Minimum
Opening
Balance

Minimum
Balance
to Earn APY

$0.01-$499.99

0.05%

0.05%

Variable

Monthly

Monthly

$0.00

$0.01

$500.00 - $2,499.99

0.05%

0.05%

$2,500.00 - $9,999.99

0.05%

0.05%

$10,000.00+

0.05%

0.05%

 

Holiday or Vacation Club

Updated May 27, 2017

Annual Percentage Yield*

0.03%

Interest Rate

0.03%

Amount of Time Interest Rate in Effect

Variable

Interest Compounded

Simple

Interest Credited

Annually

Minimum Opening Deposit Required

$5.00

Minimum Balance to Earn Annual Percentage Yield

$0.01

 

Updated May 27, 2017

*Fees may reduce earnings
**Rates may change after the account is opened

Please read all disclosures that apply to your account, including the Deposit Account Agreement and Schedule of Interest and Deposit Account Charges.

Annual Percentage Yield: Assumes interest remains on deposit in your account.
Variable Rate Accounts: The interest rate and annual percentage yield may change as often as daily, at our discretion.
Interest Accrual: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Balance Computation Method: We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Substantial penalty for early withdrawal from CD accounts. 

1) Subject to rules for IRA accounts.  Additional prior and current year contributions are allowed for all IRA CDs listed above. 

2) Laddered CDs must be opened as either a 3 year or 5 year package of CDs, as indicated above. Upon renewal, the maturing CD will roll to a 3 or 5 year term CD (depending on the package) regardless of the original term of the CD that is maturing. You have the option during the grace period to remove any one CD from the 3 or 5 year package, however that will result in all CDs in the package being renewed as standard CDs at a similar term upon renewal. Laddered CD accounts are not classified as standard CDs, and are not eligible for special rate promotions that may be offered from time to time.

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