Savings and deposit account interest rates are effective as of November 23rd, 2014, and are variable rates that may change after the account is opened without notice. Term IRA and Term Certificate of Deposit (CD) accounts offer fixed rates throughout the term of the account. Fees could reduce earnings and substantial penalties may apply for early withdrawal from IRA and CD accounts.

Click here for home loan and home loan refinance rates.

MoneyMaking Checking

Balance Minimum Balance to Obtain APY1Interest RateAPY1
Up to $25,000 when qualifications are met2$0.011.99%2.01%
Over $25,000 when qualifications are met2$25,000.01.25%2.01%—0.60% depending on balance in account
Entire balance when qualifications are not met$0.01.05%.05%

1. APY = Annual Percentage Yield

2. To qualify each qualification period, you must:

  • Have at least 12 debit card purchases that post and settle
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled in and receive eStatement notice

Minimum deposit to open account is $10.00

Click here for more information

MoneyMaking Savings

Balance Minimum Balance to Obtain APY1Interest RateAPY1
Up to $100,000 when qualifications are met2$0.01.98%1.00%
Over $100,000 when qualifications are met2$100,000.01.25%1.00%—0.62% depending on balance in account
Entire balance when qualifications are not met$0.01.05%.05%

1. APY = Annual Percentage Yield

2. Qualify for Money Making Checking and you also qualify for Money Making Savings. To qualify each qualification period, you must:

  • Have at least 12 debit card purchases that post and settle
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled in and receive eStatement notice

Minimum deposit to open account is $10.00

Click here for more information

Checking Accounts

Account TypeMinimum Balance to Obtain APY1Interest RateAPY1
Cash Back Checking$0.00.00%.00%
Free Checking$0.00.00%.00%
Commercial Checking3$0.00.00%.00%
Small Business Checking4$0.00.00%.00%

1. APY = Annual Percentage Yield

3. No minimum deposit to open account

4. Minimum deposit to open account is $50.00

Statement Savings/Savings IRA Accounts

BalanceMinimum Balance to Obtain APY1Interest RateAPY1
Less than $2,500.00$10.00.10%.10%
$2,500.00 to $9,999.99$2,500.00.20%.20%
$10,000.00 to $24,999.99$10,000.00.25%.25%
$25,000.00 to $49,999.99$25,000.00.25%.25%
$50,000.00 - $99,999.99$50,000.00.30%.30%
$100,000.00 plus$100,000.00.35%.35%

1. APY = Annual Percentage Yield

$10.00 minimum deposit to open Statement Savings accounts

Fees could reduce earnings

$100 minimum deposit to open Statement IRA accounts

Other Savings Accounts

Account TypeMinimum Balance to Obtain APY1Interest RateAPY1
Passbook Savings$10.00.10%.10%

1. APY = Annual Percentage Yield

Fees could reduce earnings

Minimum deposit to open an account is $10

Commercial Savings Accounts

BalanceMinimum Balance to Obtain APY1Interest RateAPY1
Less than $2,500.00$10.00.10%.10%
$2,500.00 to $9,999.99$2,500.00.20%.20%
$10,000.00 to $24,999.99$10,000.00.25%.25%
$25,000.00 to $49,999.99$25,000.00.25%.25%
$50,000.00 - $99,999.99$50,000.00.30%.30%
$100,000.00 plus$100,000.00.35%.35%

1. APY = Annual Percentage Yield

Fees could reduce earnings

Minimum deposit to open account is $50.00

Time Deposit Certificate Rates (CD)

TermMinimum Balance to Obtain APY1Interest RateAPY1
3 months$1000.00.20%.20%
6 months$1000.00.30%.30%
9 months$1000.00.34%.35%
1 year$1000.00.44%.45%
1 1/2 years$1000.00.54%.55%
2 years$1000.00.74%.75%
2 1/2 years$1000.00.79%.80%
3 years$1000.00.98%1.00%
3 1/2 years$1000.001.08%1.10%

1. APY = Annual Percentage Yield

Fees could reduce earnings

Minimum of $1,000 is required to open account

Early withdrawal penalty imposed

IRA Term Deposit

TermMinimum Balance to Obtain APY1Interest RateAPY1
6 month$1000.00.30%.30%
9 month$1000.00.34%.35%
1 year$1000.00.44%.45%
1 1/2 year$1000.00.54%.55%
2 year$1000.00.74%.75%
2 1/2 year$1000.00.79%.80%
3 year$1000.00.98%1.00%
5 year Variable5$1000.001.18%1.20%
6 month Roth$1000.00.30%.30%
1 year Roth$1000.00.44%.45%
1 1/2 Roth$1000.00.54%.55%
2 year Roth$1000.00.74%.75%
2 1/2 year Roth$1000.00.79%.80%
3 year Roth$1000.00.98%1.00%
1 year Educational$1000.00.44%.45%
2 year Educational$1000.00.74%.75%
3 year Educational$1000.00.98%1.00%

1. APY = Annual Percentage Yield

5. Variable rate product, interest rate and APY are based on money market rates and may change after the account is opened

Fees could reduce earnings

Minimum of $1,000 is required to open account

Early withdrawal penalty imposed