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| Account Product | Interest Rate | APYa | Minimum Opening Deposit | Account Requirements | Interest Compounding & Crediting |
|---|
Free Checking
|
0.00%
|
0.00%
|
$100.00
|
- No minimum balance
- No monthly maintenance fee
|
None
|
Basic Interest Checking*
|
0.05%
|
0.05%
|
$200.00
|
- $200 minimum balance
- $5 monthly maintenance fee & $.20 per debit if minimum
balance drops below $200
|
Monthly
|
Advantage Checking*
|
$100.00
|
- $10,000 minimum balance in total bank deposits and/or loans
- $10 monthly maintenance fee if combined balance drops below $10,000
|
Monthly
|
Daily Balance of:
|
Up to $49,999.99
|
0.05% |
0.05%
|
|
$50,000.00-99,999.99
|
0.10%
|
0.10%
|
|
$100,000.00 & up
|
0.20%
|
0.20%
|
Primetime Checking*
|
$100.00
|
- Available to those age 50 or better
- $1,500 minimum balance in total bank deposits
- $10 monthly maintenance fee if combined balance drops below $1,500
|
Monthly
|
|
Daily Balance of:
|
Up to $24,999.99
|
0.05%
|
0.05%
|
|
$25,000.00-49,999.99
|
0.10%
|
0.10%
|
|
$50,000.00-99,999.99
|
0.15%
|
0.15%
|
|
$100,000.00-249,999.99
|
0.20%
|
0.20%
|
|
$250,000.00 & up
|
0.30%
|
0.30%
|
Health Savings Account*
|
0.40%
|
0.40%
|
$0.00
|
- Must meet HSA qualifications
- No minimum balance
- No monthly maintenance fee
|
Monthly
|
Prestige Savings*†
|
$50.00
|
- $50 minimum balance
- $5 quarterly maintenance fee if balance drops below $50
|
Quarterly
|
| Daily Balance of: |
Up to $24,999.99
|
0.05%
|
0.05%
|
|
$25,000.00-49,999.99
|
0.10%
|
0.10%
|
|
$50,000.00-99,999.99
|
0.15%
|
0.15%
|
|
$100,000.00 & up
|
0.25%
|
0.25%
|
Primetime Savings*†
|
$50.00
|
- Available to those age 50 or better
- $50 minimum balance
- $1,500 minimum balance in total bank deposits
- $5 quarterly maintenance fee if balance drops below $50
|
Quarterly
|
|
Daily Balance of:
|
Up to $49,999.99
|
0.15%
|
0.15%
|
|
$50,000.00-99,999.99
|
0.25%
|
0.25%
|
|
$100,000.00-249,999.99
|
0.30%
|
0.30%
|
|
$250,000.00 & up
|
0.40%
|
0.40%
|
Blue Chip MMDA*†
|
$25,000.00
|
- $25,000 minimum balance
- $10 monthly maintenance fee if balance drops below $25,000
|
Quarterly
|
|
Daily Balance of:
|
Up to $24,999.99
|
0.20%
|
0.20%
|
|
$25,000.00-99,999.99
|
0.40%
|
0.40%
|
|
$100,000.00-249,999.99
|
0.60%
|
0.60%
|
|
$250,000.00 & up
|
0.80%
|
0.80%
|
Young Ones Savings*†
|
0.30%
|
0.30%
|
$10.00
|
- No minimum balance
- No monthly service charge
|
|
Certificate of Deposit** & IRAs**
|
|
3 Month
|
0.20%
|
0.20%
|
$1,000.00
|
$1,000 Minimum Balance
|
At Maturity
|
|
6 Month
|
0.30%
|
0.30%
|
$1,000.00
|
$1,000 Minimum Balance
|
At Maturity
|
|
12 Month
|
0.40%
|
0.40%
|
$1,000.00
|
$1,000 Minimum Balance
|
Semi-annually
|
|
24 Month
|
0.50%
|
0.50%
|
$1,000.00
|
$1,000 Minimum Balance
|
Semi-annually
|
|
36 Month
|
0.70%
|
0.70%
|
$1,000.00
|
$1,000 Minimum Balance
|
Semi-annually
|
|
18 Month Add-on IRA only
|
0.50%
|
0.50%
|
$100.00
|
$100 Minimum Balance
|
Semi-annually
|
|
13 Month Special
|
0.60% |
0.60%
|
$5,000.00
|
$5,000 Minimum Balance
|
Semi-annually
|
|
33 Month Special
|
1.02% |
1.02%
|
$5,000.00
|
$5,000 Minimum Balance
|
Semi-annually
|
|
Annual Percentage Yield
*The interest rate and annual percentage yield may change after opening.
**A penalty may be imposed for early withdrawal.
†Federal regulation restricts the account holder's ability to make no more than six pre-authorized,
automatic, online, or telephone transfers per month from a savings account.
Fees could reduce earnings on the account.
Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. |
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