APY = Annual Percentage Yield. Rates effective as of November 1, 2018. Fees may reduce earnings.

Accounts

Account Minimum to Open Rate APY
NOW Account $700 0.05% 0.05%
Super NOW $1,000 0.10% 0.10%
Savings $100 0.175% 0.175%
Money Market $1,000 0.30% 0.30%

Investment Fund See Details

Balance Rate APY
$1,000 - $9,999.99 0.30% 0.30%
$10,000.00 - $24,999.99 0.30% 0.30%
$25,000.00 - $49,999.99 0.35% 0.35%
$50,000.00 - $99,999.99 0.40% 0.40%
$100,000.00 and above 0.45% 0.45%

The minimum to open an account is $25,000. A penalty may be imposed for excessive withdrawals.

Certificates of Deposit See Details

Term <$10,000 APY*
≥ $10,000 -
<$100,000
APY*
≥ $100,000
APY*
7 days 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
1 month 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
2 months 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
3 months 0.20% 0.20% 0.50% 0.50% 0.65% 0.65%
6 months 0.40% 0.40% 0.70% 0.70% 0.85% 0.85%
12 months 0.70% 0.70% 0.85% 0.85% 1.00% 1.00%
24 months 0.80% 0.80% 1.10% 1.10% 1.25% 1.25%
36 months 0.90% 0.90% 1.20% 1.20% 1.35% 1.35%
48 months 1.10% 1.10% 1.25% 1.25% 1.40% 1.40%
60 months 1.20% 1.20% 1.30% 1.30% 1.45% 1.45%

CD Rate Incentives**
(Not applicable to IRAs)
With an existing checking account balance of ≥ $1,000: Current rate + .10%
With an existing checking account balance of ≥ $10,000: Current rate + .20%
With an existing loan balance of ≥ $10,000: Current rate +.10%
With an existing loan balance of ≥ $50,000: Current rate + .20%
With an existing IRA of any size: Current rate + .20%
*APY is Annual Percentage Yield
**Rate incentive will not exceed .40% regardless of criteria met.