Rates

Effective as of February 6th, 2012

Checking/Savings Accounts1

Type of AccountAPY*Interest Rate
Interest Checking0.15%0.15%
Business Interest Checking0.15%0.15%
Savings0.35%0.35%

Free Checking Plus Interest2

TierAPY*Interest Rate
$500 - $9,999.00% - .05%.05%
$10,000 - $49,999 .05% - .15%.15%
$50,000 - $999,999.15% - .25%.25%

Business Money Market Savings & Insured Money Market Savings3

TierAPY*Interest Rate
$2,500 - $9,9990.25%0.25%
$10,000 - $49,9990.35%0.35%
$50,000+0.45%0.45%

IRA's - Traditional, Roth & HSA4

TierAPY*Interest Rate
5 Year IRA2.07%2.05%
4 Year IRA1.81%1.80%
18 Month IRA0.81%0.81%
1 Year IRA0.67%0.67%
IRA Variable40.75%0.75%
Coverdell Ed. Savings1.81%1.80%

Certificates of Deposit (CDs)5

TermAPY*Interest RateAPY*Interest Rate
Minimum balance $20,000Minimum balance $1,000
5 Year2.07%2.05%1.96%1.95%
4 Year1.81%1.80%1.81%1.80%
42 Month1.64%1.63%1.44%1.43%
3 Year1.41%1.40%1.31%1.30%
30 Month1.36%1.35%1.20%1.20%
2 Year1.05%1.05%1.05%1.05%
18 Month0.81%0.81%0.81%0.81%
1 Year0.67%0.67%0.67%0.67%
182 Day.48%.48%.48%.48%
90 Day.27%.27%.27%.27%

College Fund

APY*Interest Rate
1.81%1.80%

STAR Money Market Savings

Rates effective 11/01/11 – 02/29/12

TierAPY*Interest Rate
$10,000 - $49,9990.45%0.45%
$50,000 - $99,9990.52%0.52%
$100,000+ 0.75%0.75%

Club Accounts

Type of AccountAPYInterest Rate
Christmas Club 0.78%0.78%
Vacation Club0.98%0.98%
  • All rates subject to change unless otherwise noted.
  • * Annual Percentage Yield
  • 1=Interest Checking and Business Interest Checking - $1,000 minimum balance
  • 2=Free Checking Plus - $500 minimum balance
  • 3=Business Money Market Savings & Insured Money Market Savings - $2,500 minimum balance
  • 4=IRA Variable - rate subject to change at any time.
  • 5=Substantial penalty for early withdrawal. Subject to availability.
  • APY is based on the assumption the periodic interest payment is added back to your CD balance.

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts