Education Center

Rates




Check out our competitive rates on CDs, Money Markets and IRAs.

Interest Rates for Certificates of Deposit

TermRateAPY*
30 day0.35%0.35%
91 day0.65%0.65%
6 month0.80%0.80%
9 month special2.00%2.02%
12 month1.14%1.15%
15 month special
2.21%2.23%
22 month special2.37%2.40%
24 month1.39%1.40%
3 year1.49%1.50%
4 year1.69%1.70%
5 year1.88%1.90%
Interest rates current as of December 4, 2018 and subject to change at any time.

Substantial penalty for early withdrawal of CD. Fees may reduce earnings.
CD Specials have a minimum $2,500 balance to open and maintain.
Terms one year and under have a minimum $2,500 balance to open and maintain.
Terms over one year have a minimum $1,000 balance to open and maintain.

Maximum balance of $240,000 in each CD.

*APY means “Annual Percentage Yield”

Interest Rates for Money Market Accounts

Account Type
Consumer VIP Money Market
RateAPY*
Tier 1: $5,000 minimum0.20%0.20%
Tier 2: $25,000 minimum0.30%0.30%
Tier 3: $75,000 minimum0.40%0.40%
Tier 4: $100,000 minimum0.50%0.50%
Tier 5: $250,000 minimum0.80%0.80%
Interest rates current as of December 4, 2018 and subject to change at any time.

Rate may change after account is opened.
Fees may reduce earnings.
*APY means “Annual Percentage Yield”

Interest Rates for Individual Retirement Accounts

TermRateAPY*
IRA fixed 18-month special ($100,000 minimum)1.49%1.50%
IRA variable 18-month**2.38%2.41%
IRA fixed 30-month0.90%0.90%
IRA variable 30-month**2.53%2.56%
Interest rates current as of December 4, 2018 and subject to change at any time.

Substantial penalty for early withdrawal of IRA.
Fees may reduce earnings.
*APY means “Annual Percentage Yield”
**Rate may change after account is opened.

Interest Rates for Personal Savings Accounts

Account Type
Personal Savings
RateAPY*
Tier 1: Minimum $1000.05%0.05%
Tier 2: Minimum $1,0000.10%0.10%
Tier 3: Minimum $25,0000.15%0.15%
NOW Account
Average daily balance above $1,500
0.05%0.05%
Interest rates current as of December 4, 2018 and subject to change at any time.
Account Type
Non-Profit NOW Account
RateAPY*
Tier 1: Minimum $25,0000.10%0.10%
Tier 2: Minimum $75,0000.10%0.10%
Interest rates current as of December 4, 2018 and subject to change at any time.

Rate may change after account is opened.
Fees may reduce earnings.
*APY means “Annual Percentage Yield”

 

Interest Rates for Commercial Money Market Accounts

Account Type
Commercial Money Market
RateAPY*
Tier 1: $25,0000.20%0.20%
Tier 2: $25,000 minimum0.30%0.30%
Tier 3: $100,000 minimum0.40%0.40%
Tier 4: $250,000 minimum0.60%0.60%
Tier 5: $500,000 minimum0.80%0.80%
Interest rates current as of December 4, 2018 and subject to change at any time.

Rate may change after account is opened. Fees may reduce earnings.

*APY means “Annual Percentage Yield”