Personal
| Product | Minimum to Earn APY | Annual Percentage Yield (APY) | Minimum to Open |
|---|---|---|---|
Advantage Checking††Open Now | Up to $20,000 | 3.50% | $25 |
| Amount over $20,000 | 0.35% | $25 | |
Direct Checking Plus†Open Now | $75,000 and over | 0.10% | $25 |
| $25,000 to $74,999.99 | 0.10% | $25 | |
| $10,000 to $24,999.99 | 0.10% | $25 | |
| $2,500 to $9,999.99 | 0.10% | $25 | |
Passbook / Statement SavingsOpen Now | $25 | 0.10% | $5 |
Money Club Share Savings | $5 | 0.10% | $5 |
IRA Savings | $25 | 0.10% | $25 |
Money Market SpecialOpen Now | $10,000 and over | 0.35% | $2,500 |
| $2,500 to $9,999.99 | 0.25% | $2,500 | |
| $25 to $2,499.99 | 0.10% | $2,500 | |
Premier Money Market††††Open Now | $500,000 and over | 3.00% | $2,500 |
| $250,000 - $499,999.99 | 3.00% | $2,500 | |
| $150,000 - $249,999.99 | 3.00% | $2,500 | |
| $100,000 - $149,999.99 | 3.00% | $2,500 | |
| $50,000 - $99,999.99 | 3.00% | $2,500 | |
| $10,000 - $49,999.99 | 1.50% | $2,500 | |
| $25 - $9,999.99 | 1.00% | $2,500 |
Business
| Product | Minimum to Earn APY | Annual Percentage Yield (APY) | Minimum to Open |
|---|---|---|---|
Business Money Market | $100,000 and over | 1.05% | $2,500 |
| $50,000 to $99,999.99 | 1.05% | $2,500 | |
| $10,000 to $49,999.99 | 1.05% | $2,500 | |
| $2,500 to $9,999.99 | 1.05% | $2,500 | |
| $25 to $2,499.99 | 1.05% | $2,500 | |
Business High Yield Savings | $100,000 and over | 0.15% | $2,500 |
| $50,000 to $99,999.99 | 0.15% | $2,500 | |
| $2,500 to $49,999.99 | 0.15% | $2,500 | |
| $25 to $2,499.99 | 0.10% | $2,500 | |
Business Statement Savings | $25 | 0.10% | $5 |
Certificate Of Deposit
| Product | Minimum to Earn APY | Annual Percentage Yield (APY) | Minimum to Open |
|---|---|---|---|
3 month**Open Now | $1,000 | 0.20% | $1,000 |
6 month**Open Now | $1,000 | 0.25% | $1,000 |
8 month**Open Now | $1,000 | 0.35% | $1,000 |
9 month** | $1,000 | 0.30% | $1,000 |
11 month^Open Now | $1,000 | 2.50% | $1,000 |
Rising Rate CD††† | $10,000 | 4.00% First 6 Months | $10,000 |
| 5.00% Next 6 Months | |||
12 monthOpen Now | $1,000 | 0.35% | $1,000 |
18 month Bump Up****Open Now | $1,000 | 1.75% | $1,000 |
24 month Bump Up****Open Now | $1,000 | 3.00% | $1,000 |
36 month Bump Up****Open Now | $1,000 | 2.50% | $1,000 |
48 month | $1,000 | 0.60% | $1,000 |
60 monthOpen Now | $1,000 | 0.60% | $1,000 |
IRA Certificate Of Deposit
| Product | Minimum to Earn APY | Annual Percentage Yield (APY) | Minimum to Open |
|---|---|---|---|
3 month** | $500 | 0.20% | $500 |
6 month** | $500 | 0.25% | $500 |
8 month** | $500 | 0.35% | $500 |
9 month** | $500 | 0.30% | $500 |
11 month^ | $500 | 2.50% | $500 |
12 month | $500 | 0.35% | $500 |
18 month Bump Up**** | $500 | 1.75% | $500 |
24 month Bump Up**** | $500 | 3.00% | $500 |
36 month Bump Up**** | $500 | 2.50% | $500 |
48 month | $500 | 0.60% | $500 |
60 month | $500 | 0.60% | $500 |
†Direct deposit required; otherwise $10 monthly service charge. Fees could reduce earnings.
††Account earns 3.50% Annual Percentage Yield (APY) on balances of $0.01 to $20,000. Balances over $20,000 earn an interest rate of 3.50% on the first $20,000, and then an interest rate of 0.35% on any funds over $20,000, resulting in an APY of 3.50% to 0.98% APY depending on total balance. *CD rate bonus available for combined deposit relationships of $25,000 or more. Monthly statement cycle eligibility requirements: 1) receive your account statement electronically via Online Banking; 2) make at least 6 debit card point-of-sale transactions (must post and settle); 3) have at least one external ACH credit or debit transaction (must post and settle). Monthly service charge of $25 if account conditions are not met. If eligibility conditions are not met for three (3) consecutive months, account will revert to Simple Checking. Limit one Advantage Checking per member.
†††Annual percentage yield as of 1/11/23 and subject to change without notice. $10,000 minimum to open and earn disclosed APY. Advantage Checking CD rate bonus not applicable. Penalty for early withdrawal. Offer available for new money only. Federally insured by NCUA.
††††Minimum balance to open $2,500.00. APY of 3.00% for balances $500,000 and over; APY of 3.00% for balances $250,000 - $499,999.99 ; APY of 3.00% for balances $150,000 - $249,999.99; 3.00% APY for balances $100,000 - $149,999.99; 3.0% APY for balances $50,000 - $99,999.99; 1.50% APY for balances $10,000 - $49,999.99; 1.00% APY for balances of $25 - $9,999.99.
**Interest calculation for the 3, 5, 6, 8 and 9-month certificates of deposit is based upon simple interest. All other certificates of deposit products are compounded daily.
***Easy Access CD, minimum daily balance of $5,000 to earn APY. Two penalty-free withdrawals allowed during term. To avoid penalty, withdrawals must be more than 6 days after account opening, and more than 6 days following each partial withdrawal; otherwise, penalty as described below for early withdrawal. New money only. Offer not applicable for retirement accounts.
****Annual Percentage Yield (APY) as of 8/11/22 and subject to change without notice. $1,000 minimum daily balance to earn disclosed APY. Option to increase your rate to the current rate of the same product once for the remainder of the original term. Offer available for new money only.
^Offer available for new money only.
Early withdrawal penalties for CD accounts. If your account has an original maturity of one year or less: The penalty we may impose will equal three months interest on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year: The penalty we may impose will equal six months interest on the amount withdrawn subject to penalty.
In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.
Fees may reduce account earnings.
Rates are subject to change without notice.