Rates

Rates

Effective Date: 09-10-2018


Savings

Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Maintenance Fee Interest Compounded & Credited Interest Period
Consumer or Business .30% .30% $25 $0 $100* Quarterly Quarterly


Money Market

Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Maintenance Fee Interest Compounded & Credited Interest Period
$10,000- $499K 1.50% 1.51% $10,000 $10,000 N/A Monthly Monthly
$500K + 2.00% 2.02% $500K $500K N/A Monthly Monthly


Checking Accounts

Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Maintenance Fee Interest Compounded & Credited Interest Period
Regular Checking ◆ Consumer or Business N/A N/A $25 N/A $100** N/A N/A
Consumer Gold Checking .15%
.25%
.15%
.25%
$1,000 $1,000+
$5,000+
$1,000 *** Monthly Monthly
Business Gold Checking .15%
.25%
.50%
.15%
.25%
.50%
$5,000 $5,000+
$50,000+
$100,000+
$5,000 *** Monthly Monthly


Flex CD***

Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Maintenance Fee Interest Compounded & Credited Interest Period
24 Months 2.5% 2.52% $5,000 N/A N/A Quarterly Quarterly
36 Months 3.0% 3.03% $5,000 N/A N/A Quarterly Quarterly


Certificate of Deposit:

Interest Rate Annual Percentage Yield Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Maintenance Fee Interest Compounded & Credited Interest Period
6 Months 1.00% 1.00% $1,000 N/A N/A Quarterly Quarterly
12 Months 1.60% 1.61% $1,000 N/A N/A Quarterly Quarterly
18 Months
1.65% 1.66% $1,000 N/A N/A Quarterly Quarterly
24 Months
2.25% 2.27% $1,000 N/A N/A Quarterly Quarterly
30 Months
2.30% 2.32% $1,000 N/A N/A Quarterly Quarterly
36 Months 2.75% 2.78% $1,000 N/A N/A Quarterly Quarterly
48 Months 2.80% 2.83% $1,000 N/A N/A Quarterly Quarterly
60 Months 2.95% 2.98% $1,000 N/A N/A Quarterly Quarterly

All Certificates of Deposit Accounts are automatically renewable
Early withdrawal penalty applies to all Certificates of Deposit
*** Flex CD: up to 10% withdrawal once per year 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 or Maintenance Fee’s
*$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