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Interest Rates

Rates Current as of April 1, 2013

Personal AccountsRateAPY*
Standard Savings.15%.15%
Money Max Savings.20%.20%
N.O.W. Checking.15%.15%
I.M.M.A. (Insured Money Market Account).15%.15%
Christmas Club Savings.50%.50%
Vacation Club Savings.50%.50%
Business AccountsRatesAPY*
Standard Savings.15%.15%
Money Max Savings.20%.20%
Sweep Savings.50%.50%
N.O.W. Checking.15%.15%
I.M.M.A. (Insured Money Market Account).15%.15%

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)

I.R.A. RateAPY*
6 Month Fixed0.50%0.50%
12 Month Fixed0.75%0.75%
2 Years Fixed1.15%1.16%
3 Years Fixed1.25%1.26%
5 Years Fixed1.75%1.76%
18 Month Variable1.00%1.00%
3 Years Variable1.25%1.26%
5 Years Variable1.75%1.76%

Early withdrawal penalties apply for I.R.A. accounts. Penalty for all terms of I.R.A. is three months of interest.

CD TermsRateAPY*
7 to 31 days.15%.15%
32 to 59 days.15%.15%
60 to 89 days.15%.15%
90 to 179 days.15%.15%
180 to 364 days.20%.20%
1 year.35%.35%
18 months.45%.45%
2 years.60%.60%
3 years.75%.75%
3 years Bump Rate.65%.65%
4 years 1.15%1.16%
5 years1.40%1.41%
5 years Bump Rate1.30%1.31%

All regular Certificates of Deposit require a minimum balance of $1,000.00. A minimum balance of $1,000.00 is required to earn the stated APY*

All Bump Rate Certificates of Deposit require a minimum balance of $5,000.00. A minimum balance of $5,000.00 is required to earn the stated APY*

Early withdrawal penalties apply.

Penalty varies according to term of CD:

  • less than 6 months = 14 days of interest
  • 6 months up to 18 months = one month’s interest
  • 18 months and longer = three months of interest

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)