Rates

Rates

Effective Date: 9/16/2020 Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Maintenance Fee Interest Compounded & Credited Interest Period
Savings
Consumer or Business
0.15% 0.15% $25 $0 $100* Quarterly Quarterly
Money Market
$10,000 - $499K
$500K+

0.50%
1.00%

0.51%
1.01%

$10,000
$500K

$10,000
$500K
N/A Monthly Monthly
Regular Checking ◆
Consumer or Business
N/A N/A $25 N/A $100** N/A N/A
Consumer Gold Checking 0.10%
0.15%
0.10%
0.15%
$1,000 $1,000+
$5,000+
$1,000*** Monthly Monthly
Business Gold Checking 0.10%
0.15%
0.30%
0.10%
0.15%
0.30%
$5,000 $5,000+
$50,000+
$100,000+
$5,000*** Monthly Monthly
Certificate of Deposit
6 Months
12 Months
18 Months
24 Months
30 Months
36 Months
48 Months
60 Months


0.25%
0.50%
0.50%
0.55%
0.55%
0.65%
0.70%
0.85%


0.25%
0.50%
0.50%
0.55%
0.55%
0.65%
0.70%
0.85%


$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000


N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A


N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A


Quarterly
Quarterly
Quarterly
Quarterly
Quarterly
Quarterly
Quarterly
Quarterly


Quarterly
Quarterly
Quarterly
Quarterly
Quarterly
Quarterly
Quarterly
Quarterly



All Certificates of Deposit Accounts are automatically renewable
Early withdrawal penalties apply to all Certificates of Deposit
30 days interest penalty for a term less than or equal to 12 months
90 days interest penalty for terms greater than 12 months
*** Flex CD: one withdrawal per 12 month period up to 10% of principal balance and unlimited deposits

APY: Annual Percentage Yield
Rates are subject to change at any time
See Truth in Savings Disclosure for full details regarding account limitations
◆Age 19 and under there is No Minimum Balance requirement or Maintenance Fee
*$5.00 Quarterly Maintenance Fee if average balance falls below required Minimum Balance at any time
**$5.00 Monthly Maintenance Fee if average balance falls below required Minimum Balance
***$10.00 Monthly Maintenance Fee if average balance falls below required Minimum Balance