Personal Checking Accounts
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Products Comparison
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VALUEPACK Checking
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PRESTIGE Checking
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PREMIUM Checking
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Minimum Opening Balance
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$100
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$100
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$100
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$500 to $999.99
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Rate 0.10
APY 0.10
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Rate 0.10
APY 0.10
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Rate 0.15
APY 0.15
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$1,000 to $9,999.99
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Rate 0.15
APY 0.15
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Rate 0.15
APY 0.15
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Rate 0.25
APY 0.25
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$10,000 to $24,999.99
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Rate 0.25
APY 0.25
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Rate 0.25
APY 0.25
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Rate 1.00
APY 1.00
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$25,000 to $39,999.99
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Rate 0.50
APY 0.50
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Rate 0.50
APY 0.50
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Rate 1.35
APY 1.36
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$40,000 to $99,999.99
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Rate 0.50
APY 0.50
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Rate 0.50
APY 0.50
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Rate 1.60
APY 1.61
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$100,000 to $249,999.99
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Rate 0.50
APY 0.50
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Rate 0.50
APY 0.50
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Rate 2.10
APY 2.12
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$250,000 & over
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Rate 0.50
APY 0.50
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Rate 0.50
APY 0.50
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Rate 3.00
APY 3.04
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APY = Annual Percentage Yield
Rate = Interest Rate
The rate may change after the account is opened.
Fees could reduce earnings on the account.
The minimum balance required to obtain the annual percentage yield is $500.
Business Checking Accounts
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Products Comparison
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Business VALUEPACK Checking
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Premium Business Checking
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Minimum Opening Balance
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$100
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$100
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$1,000 to $9,999.99
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Rate 0.15
APY 0.15
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Rate 0.25
APY 0.25
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$10,000 to $24,999.99
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Rate 0.25
APY 0.25
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Rate 1.00
APY 1.00
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$25,000 to $39,999.99
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Rate 0.50
APY 0.50
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Rate 1.35
APY 1.36
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$40,000 to $99,999.99
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Rate 0.50
APY 0.50
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Rate 1.60
APY 1.61
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$100,000 to $249,999.99
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Rate 0.50
APY 0.50
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Rate 2.10
APY 2.12
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| $250,000 & over |
Rate 0.50
APY 0.50
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Rate 3.00
APY 3.04
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APY = Annual Percentage Yield
Rate = Interest Rate
The rate may change after the account is opened.
Fees could reduce earnings on the account.
The minimum balance required to obtain the annual percentage yield is $1,000.
Money Market Account
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PREMIUM Money Market
Business Premium money market
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Minimum Opening Balance
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$1,000
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$1,000 to $9,999.99
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Rate 0.25
APY 0.25
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$10,000 to $24,999.99
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Rate 1.00
APY 1.00
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$25,000 to $39,999.99
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Rate 1.35
APY 1.36
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$40,000 to $99,999.99
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Rate 1.60
APY 1.61
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$100,000 to $249,999.99
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Rate 2.10
APY 2.12
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$250,000 & over
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Rate 3.00
APY 3.04
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APY = Annual Percentage Yield
Rate = Interest Rate
The rate may change after the account is opened.
Fees could reduce earnings on the account.
The minimum balance required to obtain the annual percentage yield is $1,000.
Savings Accounts
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PRODUCTS COMPARISON
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PERSONAL Savings
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BUSINESS Savings
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CHRISTMAS Club
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Minimum Opening Balance
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$50
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$50
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$10
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$25 & over
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Rate 0.15
APY 0.15
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Rate 0.15
APY 0.15
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Rate 0.15
APY 0.15
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APY = Annual Percentage Yield
Rate = Interest Rate
The minimum balance required to obtain the annual percentage yield is $25.
The rate may change after the account is opened.
Fees could reduce earnings on the account.
Certificates of Deposit Specials
$10,000 TO $2,000,000
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Term Comparison
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RATE
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APY
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7 Months
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4.00
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4.03
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13 Months
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3.75
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3.80
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19 Months
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3.50
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3.55
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25 Months
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3.20
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3.24
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29 Months
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3.10
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3.14
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42 Months
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3.00
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3.03
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59 Months
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2.90
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2.93
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APY = Annual Percentage Yield
Rate = Interest Rate
Minimum balance to open a Special Certificate of Deposit account is $10,000 and $2,000,000 maximum. The APY assumes that interest remains on deposit until maturity.
The minimum balance required to obtain the annual percentage yield is $10,000.
Early withdrawal penalties may apply and may reduce earnings.
CDs with maturities less than 12 months are subject to early withdrawal penalty equal to 30 days interest on the amount withdrawn.
CDs with maturities of 12 months are subject to early withdrawal penalty equal to 90 days interest on the amount withdrawn.
CDs with maturities greater than 12 months are subject to early withdrawal penalty equal to 120 days interest on the amount withdrawn.
Certificates of Deposit
$1,000 & Over
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TERM COMPARISON
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RATE
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APY
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|---|
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32 Days
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1.50
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1.52
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91 Days
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1.50
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1.51
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182 Days
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2.75
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2.77
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270 Days
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2.75
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2.76
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12 Months
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2.90
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2.93
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18 Months
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2.85
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2.88
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24 Months
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2.75
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2.78
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30 Months
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2.65
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2.68
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36 Months
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2.60
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2.63
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48 Months
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2.55
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2.57
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60 Months
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2.50
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2.52
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APY = Annual Percentage Yield
Rate = Interest Rate
Minimum balance to open a Certificate of Deposit account is $1,000. The minimum balance required to obtain the annual percentage yield is $1,000. The APY assumes that interest remains on deposit until maturity.
Early withdrawal penalties may apply and may reduce earnings.
CDs with maturities less than 12 months are subject to early withdrawal penalty equal to 30 days interest on the amount withdrawn.
CDs with maturities of 12 months are subject to early withdrawal penalty equal to 90 days interest on the amount withdrawn.
CDs with maturities greater than 12 months are subject to early withdrawal penalty equal to 120 days interest on the amount withdrawn.
Prime Rate Certificates of Deposit
$1,000 to $2,000,000
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Term comparison
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RATE
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APY
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|---|
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12 Months
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1.88
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1.89
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24 Months
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2.25
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2.27
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36 Months
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2.63
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2.66
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48 Months
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3.00
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3.03
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APY = Annual Percentage Yield
Rate = Interest Rate
Minimum balance to open a Prime Rate Certificate of Deposit is $1,000 and $2,000,000 maximum. Minimum balance required to obtain the annual percentage yield is $1,000. Additional deposits are allowed. Maximum account balance is $2,000,000.
Early withdrawal penalties may apply and may reduce earnings.
CDs with maturities of 12 months are subject to early withdrawal penalty equal to 90 days interest on the amount withdrawn.
CDs with maturities greater than 12 months are subject to early withdrawal penalty equal to 120 days interest on the amount withdrawn.
The rate may change after the account is opened.
Individual Retirement Accounts (IRA) Certificate of Deposit
$1,000 & OVER
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Term Comparison
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RATE
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APY
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|---|
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18 Months Variable
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2.60
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2.63
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18 Months Fixed
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2.60
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2.63
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APY = Annual Percentage Yield
Rate = Interest Rate
Minimum balance to open an IRA Certificate of Deposit is $1,000 and minimum balance required to obtain the annual percentage yield is $1,000.
Early withdrawal penalties may apply and may reduce earnings.
CDs with maturities greater than 12 months are subject to early withdrawal penalty equal to 120 days interest on the amount withdrawn.
For Variable Rate certificates, the rate may change after the account is opened.
Any Certificate of Deposit term may be opened as an IRA Certificate of Deposit.
Health Savings Account
APY=Annual Percentage Yield
Rate = Interest Rate
The rate may change after the account is opened.
Minimum balance required to open a Health Savings Account is $50.
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