Deposit Rates

Current Rates

All deposit account rates are accurate as noted below and are subject to change without prior notice. APYs shown apply to only individual and joint consumer accounts. Member FDIC.

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You may also inquire about current rates by contacting the Customer Service Center at 800-321-0032 for more detailed information.

Compounded Bal. to Avoid Fees Interest Rate APY
Monthly $1,500 0.02% 0.02%
APY = Annual Percentage Yield. Rates current as of December 11, 2018. Published rates may change at any time and without advance notice, including after account opening. It is the reader’s responsibility to verify rates, fees and penalties with any branch or by calling 800-321-0032. All products and services are subject to Bank approval. Fees may reduce earnings.
Type Min. to Open Interest Rate APY
7-31 Day $2,500 0.05% 0.05%
32 - 89 Day $1,000 0.10% 0.10%
3 month $1,000 0.15% 0.15%
6 month $1,000 0.20% 0.20%
1 Year $1,000 0.25% 0.25%
1.5 Year $1,000 0.30% 0.30%
2, 2.5 Year $1,000 0.50% 0.50%
3, 3.5 Year $1,000 0.75% 0.75%
4 Year $1,000 1.00% 1.00%
5 Year $1,000 1.50% 1.51%
3, 3.5 Year Vintage $1,000 0.80% 0.80%
4 Year Vintage $1,000 1.05% 1.06%
5 Year Vintage $1,000 1.55% 1.56%
25 Month Rate Hike $1,000 0.40% 0.40%
APY = Annual Percentage Yield. Rates current as of December 11, 2018. Published rates may change at any time and without advance notice until account opening. It is the reader’s responsibility to verify rates, fees and penalties with any branch or by calling 800-321-0032. All products and services are subject to Bank approval. APY at account opening will not change and will be in effect until this account matures. Fees may reduce earnings. Interest begins to accrue on the business day of your deposit for either cash or non-cash items. Your account will mature in the length of time selected at account opening. Withdrawals before maturity date are subject to penalty. A $25.00 Early Redemption Fee will also apply. Withdrawals will reduce earnings.
Type Interest Rate APY Interest Compounded Minimum to Open
Less than $10,000 0.05% 0.05% Daily $25.00
$10,000 to $24,999.99 0.05% 0.05% Daily $25.00
$25,000 to $49,999.99 0.05% 0.05% Daily $25.00
$50,000 to $99,999.99 0.08% 0.08% Daily $25.00
$100,000 to $499,999.99 0.12% 0.12% Daily $25.00
$500,000 or more 0.15% 0.15% Daily $25.00
APY = Annual Percentage Yield. Rates current as of December 11, 2018. Published rates may change at any time and without advance notice, including after account opening. It is the reader’s responsibility to verify rates, fees and penalties with any branch or by calling 800-321-0032. All products and services are subject to Bank approval. Interest is compounded daily. Fees may reduce earnings. A maintenance fee of $10.00 will be charged for every statement cycle the account falls below $2000.00.
Type Minimum Deposit to Open Interest Rate APY Interest Compounded
Statement Savings $1 0.02% 0.02% Daily
APY = Annual Percentage Yield. Rates current as of December 11, 2018. Published rates may change at any time and without advance notice, including after account opening. It is the reader’s responsibility to verify rates, fees and penalties with any branch or by calling 800-321-0032. All products and services are subject to Bank approval. Fees may reduce earnings.
Type Min. to Open Interest Rate APY
9 Month Fixed $0.00 0.20% 0.20%
18 Month Fixed $0.00 0.30% 0.30%
18 Month Variable $0.00 0.25% 0.25%
36 Month Fixed $0.00 0.75% 0.75%
36 Month Variable $0.00 0.60% 0.60%
48 Month Fixed $0.00 1.00% 1.01%
60 Month Fixed $0.00 1.50% 1.51%
9 Month Roth Fixed $0.00 0.20% 0.20%
30 Month Roth Fixed $0.00 0.50% 0.50%
30 Month Roth Variable $0.00 0.40% 0.40%
48 Month Roth Fixed $0.00 1.00% 1.01%
60 Month Roth Fixed $0.00 1.50% 1.51%
18 Month Education Fixed $0.00 0.30% 0.30%
18 Month Education Variable $0.00 0.25% 0.25%
36 Month Education Fixed $0.00 0.75% 0.75%
36 Month Educational Variable $0.00 0.60% 0.60%
48 Month Education Fixed $0.00 1.00% 1.01%
APY = Annual Percentage Yield. Rates current as of December 11, 2018. Published rates may change at any time and without advance notice until account opening. It is the reader’s responsibility to verify rates with any branch or by calling 800-321-0032. All products and services are subject to Bank approval. APY at account opening will not change and will be in effect until this account matures. Fees could reduce the earnings on the account. A penalty will be imposed for early withdrawal. There may be additional IRS penalties for early withdrawal from an IRA account. Consult your tax advisor.
Term Interest Rate APY Compounding Frequency Minimum to Open
Qualified balances up to $50,000 0.10% 0.10% Monthly $25.00
Qualified balances over $50,000.01 0.02% 0.02% Monthly $25.00
Non-qualified balances 0.01% 0.01% Monthly $25.00
APY = Annual Percentage Yield. Rates current as of December 11, 2018. Published rates may change at any time and without advance notice, including after account opening It is the reader’s responsibility to verify rates, fees and penalties with any branch or by calling 800-321-0032. All products and services are subject to Bank approval. Fees may reduce earnings. If you use your debit card at least 15 times each month, and have Direct Deposit or make two or more automatic bill payments your account will earn interest and you will receive up to $10.00 in ATM fees refunded each month. .10% APY is paid on balances up to $50,000.00, and .02 % APY is paid on additional amounts above $50,000.00 when requirements are met. Interest is compounded monthly. If requirements are not met, ATM fees will not be refunded and an interest rate of 0.01% APY will apply to the entire account balance for that statement cycle. $150.00 penalty if account is closed within 180 days from opening. Debit card transactions must post to the account by the end of the statement cycle to meet criteria.