APY = Annual Percentage Yield. Rates effective as of November 22, 2016. Fees may reduce earnings.

Senior Checking See Details

Minimum Opening DepositInterest RateAPY
$1 0.05% 0.05%

Elite Checking See Details

BalanceInterest RateAPY
$1,000 < $10,000 0.05% 0.05%
$10,000 < $25,000 0.05% 0.05%
$25,000 < $50,000 0.06% 0.06%
$50,000 < $100,000 0.08% 0.08%
$100,000 < $200,000 0.10% 0.10%
$200,000 and over 0.12% 0.12%

Money Market See Details

BalanceInterest RateAPY
$2,500 < $10,000 0.05% 0.05%
$10,000 < $25,000 0.05% 0.05%
$25,000 < $50,000 0.10% 0.10%
$50,000 < $100,000 0.12% 0.12%
$100,000 < $200,000 0.15% 0.15%
$200,000 and over 0.20% 0.20%

Basic Savings See Details

Minimum Opening DepositInterest RateAPY
$100 0.05% 0.05%

Kid's Club Savings See Details

Minimum Opening DepositInterest RateAPY
$1 0.05% 0.05%

Health Savings Account See Details

Minimum Opening DepositInterest RateAPY
$1 < $5,000 0.05% 0.05%
$5,000 and over 0.10% 0.10%

Certificates of Deposits (Current Specials) See Details

TermInterest RateAPY
24M Variable (Under $10,000) 0.700% 0.70%
24M Variable (Over $10,000) 1.200% 1.21%
15 Month Bump* (Under $10,000) 0.449% 0.45%
15 Month Bump* (Over $10,000) 0.698% 0.70%
72 Month Bump** (Under $10,000) 2.080% 2.10%
72 Month Bump** (Over $10,000) 2.080% 2.10%

Penalty for early withdrawal.

*Allows for 1 rate bump per term.

**Allows for 2 rate bumps per term.

Certificates of Deposits (Under $10,000) See Details

TermInterest RateAPY
1 Month 0.150% 0.15%
2 Months 0.150% 0.15%
3 - 5 Months 0.200% 0.20%
6 - 11 Months 0.250% 0.25%
1 Year 0.350% 0.35%
2 Years 0.598% 0.60%
3 Years 0.847% 0.85%
4 Years 1.045% 1.05%
5 Years 1.440% 1.45%

Penalty for early withdrawal.

Certificates of Deposits (Over $10,000) See Details

TermInterest RateAPY
1 Month 0.200% 0.20%
2 Months 0.250% 0.25%
3 - 5 Months 0.250% 0.25%
6 - 11 Months 0.400% 0.40%
1 Year 0.600% 0.60%
2 Years 0.850% 0.85%
3 Years 1.095% 1.10%
4 Years 1.292% 1.30%
5 Years 1.687% 1.70%

Penalty for early withdrawal.

Individual Retirement Accounts ($100 Minimum Deposit) See Details

TermInterest RateAPY
18 Month (Variable)* 0.500% 0.50%
30 Month (Fixed)* 0.500% 0.50%

*18 & 30 Month IRA CDs allow contributions at any time. The 30 Month IRA CD is not eligible for rollover funds

Individual Retirement Accounts (Under $10,000) See Details

TermInterest RateAPY
12 Months (Fixed) 0.350% 0.35%
18 Months (Fixed) 0.350% 0.35%
24 Months (Fixed) 0.599% 0.60%
36 Months (Fixed) 0.8480% 0.85%
48 Months (Fixed) 1.047% 1.05%
60 Months (Fixed) 1.442% 1.45%

Individual Retirement Accounts (Over $10,000) See Details

TermInterest RateAPY
12 Months (Fixed) 0.599% 0.60%
18 Months (Fixed) 0.599% 0.60%
24 Months (Fixed) 0.848% 0.85%
30 Months (Fixed)* 0.750% 0.75%
36 Months (Fixed) 1.096% 1.10%
48 Months (Fixed) 1.295% 1.30%
60 Months (Fixed) 1.689% 1.70%

*The 30 Month IRA CD is not eligible for rollover funds.

CDARS CD: Corporate & Individual ($200,000 or more) See Details

TermInterest RateAPY
4 Weeks 0.15% 0.15%
13 Weeks 0.20% 0.20%
26 Weeks 0.30% 0.30%
52 Weeks 0.40% 0.40%
2 Years 0.50% 0.50%
3 Years 0.80% 0.80%

Deposits insured by the FDIC. All Certificates of Deposit require a penalty for early withdrawal.

CDARS CD: Public Funds ($200,000 or more) See Details

TermInterest RateAPY
4 Weeks 0.20% 0.20%
13 Weeks 0.25% 0.25%
26 Weeks 0.35% 0.35%
52 Weeks 0.50% 0.50%
2 Years 0.65% 0.65%
3 Years 1.00% 1.00%

Deposits insured by the FDIC. All Certificates of Deposit require a penalty for early withdrawal.

ICS Money Market ($200,000 or more) See Details

TermInterest RateAPY
4 Weeks 0.15% 0.15%