APY = Annual Percentage Yield. Rates effective as of 4/2/2018. Fees may reduce earnings.
Checking/Savings Accounts
| Account | Balance to Earn Interest | Rate | APY |
|---|---|---|---|
| Classic 50 Checking | $0 | 0.05% | 0.05% |
| VIP Direct Checking | $0 | 0.05% | 0.05% |
| Regular Savings | $0 | 0.20% | 0.20% |
| Ultimate Interest Checking | Under $1,000 | 0.05% | 0.05% |
| Ultimate Interest Checking | $1,000+ | 0.15% | 0.15% |
| Business Interest Checking | $1,000+ | 0.05% | 0.05% |
| Christmas Club | $0 | 0.50% | 0.50% |
| Vacation Club | $0 | 0.50% | 0.50% |
Interest Checking and Business Interest Checking - $1,000 minimum balance
Mortgage LoansLearn More
| Term | Rate |
|---|---|
| 10 - 30 Years | Contact us to learn about our rates |
Business Money Market Savings & Insured Money Market SavingsLearn More
| Tier | APY | Interest Rate |
|---|---|---|
| $2,500 - $9,999 | 0.20% | 0.20% |
| $10,000 - $49,999 | 0.27% | 0.27% |
| $50,000+ | 0.37% | 0.37% |
IRAs - Traditional, Roth, & HSALearn More
| Tier | APY | Interest Rate |
|---|---|---|
| 5 Year IRA | 2.02% | 2.01% |
| 4 Year IRA | 1.68% | 1.67% |
| 18 Month IRA | 0.92% | 0.92% |
| 1 Year IRA | 0.85% | 0.85% |
| IRA Variable | 1.21% | 1.20% |
| Coverdell Ed. Savings | 1.58% | 1.57% |
IRA Variable - rate subject to change at any time.
Certificates of Deposit (CDs)Learn More
| Term | Balance | Interest Rate | APY |
|---|---|---|---|
| 18 Month CD Special | $20,000 | 1.80% | 1.81% |
| 30 Month CD Special | $20,000 | 2.30% | 2.32% |
| 5 Year | $1,000 | 1.81% | 1.82% |
| 5 Year | $20,000 | 2.01% | 2.02% |
| 4 Year | $1,000 | 1.49% | 1.50% |
| 4 Year | $20,000 | 1.67% | 1.68% |
| 42 Month Bump-Up | $1,000 | 1.43% | 1.44% |
| 42 Month Bump-Up | $20,000 | 1.47% | 1.48% |
| 3 Year | $1,000 | 1.31% | 1.32% |
| 3 Year | $20,000 | 1.41% | 1.42% |
| 30 Month | $1,000 | 1.21% | 1.21% |
| 30 Month | $20,000 | 1.28% | 1.29% |
| 2 Year | $1,000 | 0.97% | 0.97% |
| 2 Year | $20,000 | 1.07% | 1.07% |
| 18 Month | $1,000 | 0.82% | 0.82% |
| 18 Month | $20,000 | 0.92% | 0.92% |
| 1 Year | $1,000 | 0.80% | 0.80% |
| 1 Year | $20,000 | 0.85% | 0.85% |
| 182 Day | $1,000 | 0.65% | 0.65% |
| 182 Day | $20,000 | 0.71% | 0.71% |
| 90 Day | $1,000 | 0.51% | 0.51% |
| 90 Day | $20,000 | 0.57% | 0.57% |
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.
College Fund
| Interest Rate | APY |
|---|---|
| 1.57% | 1.58% |
STAR Money Market Savings
| Tier | APY | Interest Rate |
|---|---|---|
| $10,000 - $49,999 | 0.37% | 0.37% |
| $50,000 - $99,999 | 0.49% | 0.49% |
| $100,000+ | 0.57% | 0.57% |
