| Interest Rates | ||||
|---|---|---|---|---|
| Effective March 12, 2013 | ||||
| Interest Rate | Minimum Opening Deposit | Annual Percentage Yield | ||
| DEPOSIT ACCOUNTS | ||||
| 0.05% | DAY-OF-DEPOSIT SAVINGS ACCOUNTS (minimum $50 average daily balance required to earn interest) |
$25 | 0.05% | |
| 0.25% | YOUNG SAVERS ACCOUNTS (minimum $50 average daily balance required to earn interest) |
$5 | 0.25% | |
| 0.15% | ONE YEAR VARIABLE RATE IRA SAVINGS (minimum $50 average daily balance required to earn interest) |
$50 | 0.15% | |
| 0.02% | NOW ACCOUNTS (minimum $500 average daily balance required to earn interest) |
$500 | 0.02% | |
| 0.02% | CLUB ACCOUNTS (minimum $50 average daily balance required to earn interest) |
$1 | 0.02% | |
| 0.05% | MONEY MARKET ACCOUNTS (minimum $2,500 average daily balance required to earn interest) |
$2,500 | 0.05% | |
| TIERED MONEY MARKET ACCOUNTS | $10,000 | |||
| Tier | Average Daily Balance needed to earn stated APY |
|||
| 0.05% | 1 | $2,500 to $25,000 | 0.05% | |
| 0.10% | 2 | $25,000 to $99,999 | 0.10% | |
| 0.10% | 3 | $100,000 to $249,999 | 0.10% | |
| 0.10% | 4 | $250,000 and over | 0.10% | |
| HEALTH SAVINGS ACCOUNTS | ||||
| Tier | Average Daily Balance needed to earn stated APY |
|||
| 0.10% | 1 | Below $500 | 0.10% | |
| 0.11% | 2 | $500 to $2,499 | 0.11% | |
| 0.15% | 3 | $2,500 to $9,999 | 0.15% | |
| 0.15% | 4 | $10,000 and over | 0.15% | |
| CERTIFICATES OF DEPOSIT (May be subject to penalty for early withdrawal) | ||||
| 0.05% | 30-DAY CERTIFICATES (30 DAYS) | $2,500 | 0.05% | |
| 0.05% | 60-DAY CERTIFICATES (60-89 DAYS) | $2,500 | 0.05% | |
| 0.05% | 90-DAY CERTIFICATES (90-179 DAYS) | $2,500 | 0.05% | |
| 0.05% | 180-DAY CERTIFICATES (180-364 DAYS) | $2,500 | 0.05% | |
| 0.10% | 1-YEAR CERTIFICATES (12-17 MONTHS) IRA |
$500 $250 |
*0.10% | |
| 0.15% | 18-MONTH CERTIFICATES (18-29 MONTHS) IRA |
$500 $250 |
*0.15% | |
| 0.20% | 24-MONTH CERTIFICATES (RELATIONSHIP SPECIAL) IRA |
$500 $250 |
*0.20% | |
| 0.25% | 30-36 MONTH CERTIFICATES IRA |
$500 $250 |
*0.25% | |
| 0.45% | 60-Month Certificates/IRA | $500 $250 |
*0.45% | |
| *APY for CDs one year or more are based on quarterly interest. | ||||
| Annual Earnings Credit Rate (Applies to Basic Checking and Business Checking account products only) |
1.20% | |||
|
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