Rates

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Rates effective as of January 25, 2013.

Deposit Accounts

ProductBalanceRateAnnual Percentage Yield
REWARDS SavingsBalances up to $20,0000.50%0.50%
Balances over $20,000

When you qualify

0.25%0.50% - 0.29%
Non-Qualified Base Rate0.10%0.10%
Statement SaverLess than $20,0000.10%0.10%
$20,000 or greater0.35%0.35%
Holiday ClubNo balance requirement.0.10%0.10%
Consumer Money MarketLess than $1,500N/AN/A
$1,500 to $24,9990.15%0.15%
$25,000 to $49,9990.20%0.20%
$50,000 to $74,9990.40%0.40%
$75,000 to $99,9990.50%0.50%
$100,000 or greater0.70%0.70%
Personal Super NOW CheckingLess than $100,0000.20%0.20%
$100,000 or greater0.30%0.30%

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 06/18/2013. 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 0.50%; and (2) balances over $20,000 in REWARDS Savings earn 0.25% interest rate on the portion of the balance over $20,000, resulting in 0.50% - 0.29% 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.

Certificates of Deposit

TermBalanceRateAnnual Percentage Yield
90 days or less$500 to $24,9990.15%0.15%
$25,000 to $99,0000.15%0.15%
$100,000+0.15%0.15%
91 days to 181 days$500 to $24,9990.20%0.20%
$25,000 to $99,0000.20%0.20%
$100,000+0.20%0.20%
182 days to 364 days$500 to $24,9990.30%0.30%
$25,000 to $99,0000.30%0.30%
$100,000+0.30%0.30%
1 Yr Thru < 2 Yrs$500 to $24,9990.40%0.40%
$25,000 to $99,0000.40%0.40%
$100,000+0.40%0.40%
2 Yrs Thru < 3 Yrs$500 to $24,9990.60%0.60%
$25,000 to $99,0000.60%0.60%
$100,000+0.60%0.60%
3 Yrs Thru < 4 Yrs$500 to $24,9991.00%1.00%
$25,000 to $99,0001.00%1.00%
$100,000+1.00%1.00%
4 Yrs Thru < 5 Yrs$500 to $24,9991.19%1.20%
$25,000 to $99,0001.19%1.20%
$100,000+1.19%1.20%
5 Yrs Or More$500 to $24,9991.39%1.40%
$25,000 to $99,0001.39%1.40%
$100,000+1.39%1.40%

*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 whether or not the deposit is cash or a non-cash item, i.e., check. Interest is compounded daily.