Deposit Rates

Rates effective as of January 31, 2013.

APY: Annual Percentage Yield. Fees may reduce earnings.

Checking Accounts

Xcellent Checking ¹

Minimum Opening DepositAPYInterest Rate
No Minimum / Direct Deposit0.05%0.05%

¹ Must be at least 50 years of age to open

Lifetime Free Checking

No Minimum Opening DepositAPYInterest Rate
$1,000 minimum to earn interest0.05%0.05%

Non Profit Checking

Minimum Opening DepositAPYInterest Rate
$25.000.05%0.05%

Saving Accounts

Statement Savings ²

Minimum Balance to OpenAPYInterest Rate
$500.10%0.10%

² Available For Individuals And Businesses

Premier Money Market ³

Minimum Balance to OpenAPYInterest Rate
$250,000 +0.45%0.45%
$100,000 - $249,9990.40%0.40%
$75,000 - $99,9990.35%0.35%
$50,000 - $74,9990.30%0.30%
$25,000 - $49,9990.20%0.20%
$1,000-$24,9990.15%0.15%

³ Available For Individuals And Businesses

Certificates of Deposit Regular and IRA ⁴

Minimum Balance to OpenMinimum Opening DepositAPY*Interest Rate
60 Month$500.001.00%0.995%
48 Month$500.000.80%0.80%
36 Month$500.000.55%0.55%
24 Month$500.000.35%0.35%
18 Month$500.000.30%0.30%
12 Month$500.000.25%0.25%
182 Days$500.000.10%0.10%

⁴ A Penalty May Be Imposed For Early Withdrawals And Fees May Reduce Earnings. Available For Individuals And Businesses