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Rates effective as of March 4, 2016.
|Product||Balance||Rate||Annual Percentage Yield|
|REWARDS Savings||Balances up to $20,000||0.40%||0.40%|
|Balances over $20,000|
When you qualify
|Non-Qualified Base Rate||0.10%||0.10%|
|Statement Saver||Less than $20,000||0.10%||0.10%|
|$20,000 or greater||0.10%||0.10%|
|Holiday Club||No balance requirement.||0.10%||0.10%|
|Consumer Money Market||Less than $1,500||N/A||N/A|
|$1,500 to $24,999||0.10%||0.10%|
|$25,000 to $49,999||0.10%||0.10%|
|$50,000 to $74,999||0.15%||0.15%|
|$75,000 to $99,999||0.25%||0.25%|
|$100,000 or greater||0.40%||0.40%|
|Personal Super NOW Checking||Less than $100,000||0.05%||0.05%|
|$100,000 or greater||0.10%||0.10%|
To earn rewards, each monthly qualification cycle:
- Have at least 12 debit card purchases of at least $5 that post and settle
- Have at least 1 direct deposit or automatic payment (ACH) post and settle
- Be enrolled and receive eStatement notice
*APY=Annual Percentage Yield. APYs accurate as of 03/04/2016. Rates may change after account is opened. Minimum to open is $50 for REWARDS Checking and $50 for REWARDS Savings. When monthly qualifications are met, you will receive 5% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $5 per monthly qualification cycle. Domestic ATM fees incurred using REWARDS Checking debit card during qualification cycle will be reimbursed up to $25 ($5.00 per single transaction) if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. REWARDS Checking rewards will be credited to your REWARDS Savings account on the last day of the monthly statement cycle. If qualifications in REWARDS Checking are met each monthly qualification cycle: (1) balances up to $20,000 in REWARDS Savings receive an APY of 0.40%; and (2) balances over $20,000 in REWARDS Savings earn 0.20% interest rate on the portion of the balance over $20,000, resulting in 0.40% - 0.20% APY depending on the balance. If qualifications are not met on REWARDS Checking, all balances in the REWARDS Savings earn 0.10% APY. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN.
|Term||Balance||Rate||Annual Percentage Yield|
|90 days or less||$500 to $24,999||0.10%||0.10%|
|$25,000 to $99,000||0.10%||0.10%|
|91 days to 181 days||$500 to $24,999||0.10%||0.10%|
|$25,000 to $99,000||0.10%||0.10%|
|182 days to 364 days||$500 to $24,999||0.20%||0.20%|
|$25,000 to $99,000||0.20%||0.20%|
|1 Yr Thru < 2 Yrs||$500 to $24,999||0.25%||0.25%|
|$25,000 to $99,000||0.25%||0.25%|
|2 Yrs Thru < 3 Yrs||$500 to $24,999||0.45%||0.45%|
|$25,000 to $99,000||0.45%||0.45%|
|3 Yrs Thru < 4 Yrs||$500 to $24,999||0.60%||0.60%|
|$25,000 to $99,000||0.60%||0.60%|
|4 Yrs Thru < 5 Yrs||$500 to $24,999||0.80%||0.80%|
|$25,000 to $99,000||0.80%||0.80%|
|5 Yrs Or More||$500 to $24,999||1.00%||1.00%|
|$25,000 to $99,000||1.00%||1.00%|
*These rates and the APYs are subject to change on a weekly basis.
** Applies to Individuals and Business Customers Only Rates and APYs on Certificate of Deposits (CDs) are fixed (not adjustable) during the term of the CD until the maturity date.
APYs (Annual Percentage Yield) assume: (1) that the interest rate will not change for one (1) year, (2) that the interest credited to your account will remain on deposit in the account for a one (1) year, (3) that the minimum daily balance requirement will be maintained for one (1) year. Interest on these accounts is accrued (earned) on the actual daily balance based on a 365-day calendar year (actual/365 day method). Interest begins to accrue from the day of deposit in cash and on a non-cash item when available, i.e., check. Interest is compounded daily.
A penalty may be imposed for withdrawals before maturity.
• If your account has an original maturity of less than one year:
The fee we may impose will equal one month's interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of one year, but less than three years:
The fee we may impose will equal three month's interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of three years, but less than four years:
The fee we may impose will equal six month's interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of four years, but less than five years:
The fee we may impose will equal nine month's interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of five years or more:
The fee we may impose will equal twelve month's interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an account owner, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply.
NOTE: We reserve the right NOT to pay accrued but uncredited interest on your account, if you close the account prior to the time accrued interest is credited to your account. If your account is closed because of an IRS levy or other type of garnishee, the account will be considered as closed by you.
Withdrawal of interest prior to maturity- The (APY) annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.