Deposit Rates
The interest rates and annual percentage yields stated below are effective as of February 22, 2012. You may call 877-848-4816 to obtain current information. Additional disclosures and information for your account are included in the See Consumer Deposit Account Agreement, Business Deposit Account Agreement, Services and Fees schedule and brochures for Personal and Business accounts.
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| Certificates of Deposit1 For balances less than $100,000 | |||
|---|---|---|---|
| Term | Minimum Balance To Open |
Interest Rate |
APY2 |
| 3 Month CD | $2,500 | 0.10% | 0.10% |
| 6 Month CD | $2,500 | 0.15% | 0.15% |
| 9 Month CD | $2,500 | 0.15% | 0.15% |
| 12 Month CD | $2,500 | 0.20% | 0.20% |
| 18 Month CD | $500 | 0.25% | 0.25% |
| 24 Month CD | $500 | 0.35% | 0.35% |
| 30 Month CD | $500 | 0.45% | 0.45% |
| 36 Month CD | $500 | 0.55% | 0.55% |
| 48 Month CD | $500 | 1.00% | 1.00% |
| 60 Month CD | $500 | 1.49% | 1.50% |
| Jumbo Certificates of Deposit1 For balances of $100,000 or more | |||
|---|---|---|---|
| Term | Minimum Balance To Open |
Interest Rate |
APY2 |
| 1 Month CD | $100,000 | 0.10% | 0.10% |
| 2 Month CD | $100,000 | 0.10% | 0.10% |
| 3 Month CD | $100,000 | 0.15% | 0.15% |
| 6 Month CD | $100,000 | 0.20% | 0.20% |
| 12 Month CD | $100,000 | 0.25% | 0.25% |
| 18 Month CD | $100,000 | 0.30% | 0.30% |
| 24 Month CD | $100,000 | 0.40% | 0.40% |
| Individual Retirement Accounts (IRAs)1 | |||
|---|---|---|---|
| Term | Minimum Balance To Open |
Interest Rate |
APY2 |
| 12 Month Expandable IRA Savings | $100 | 0.20% | 0.20% |
| 12 Month IRA | $100 | 0.20% | 0.20% |
| 18 Month IRA | $100 | 0.25% | 0.25% |
| 24 Month IRA | $100 | 0.35% | 0.35% |
| 30 Month IRA | $100 | 0.45% | 0.45% |
| 36 Month IRA | $100 | 0.55% | 0.55% |
| 48 Month IRA | $100 | 1.00% | 1.00% |
| 60 Month IRA | $100 | 1.49% | 1.50% |
| Standard Commercial Checking | |||
|---|---|---|---|
| Earnings Credit Rate Information | Minimum Balance To Open |
Average Collected Balance less reserves | Earnings Credit Rate |
| An Earnings Credit Rate may be applied towards service charges only, and is calculated on the account’s average collected balance less the 10% Federal Reserve requirement | $100 | $0.01 - $4,999.99 $5,000.00 + |
0.10% 0.20% |
| Variable Rate Accounts3 | ||||
|---|---|---|---|---|
| Product | Minimum Balance To Open |
Minimum Daily Balance To Earn Interest |
Interest Rate |
APY2 |
| 15 Month Bump N Jump CD¹ (with one-time rate adjustment) |
5,000 | No Minimum | 0.20% | 0.20% |
| Personal Money Market Savings | $100 | $0.01 - $2,499.99 $2,500 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $74,999.99 $75,000 + |
0.05% 0.05% 0.10% 0.10% 0.15% 0.15% |
0.05% 0.05% 0.10% 0.10% 0.15% 0.15% |
| Business Money Market Savings | $100 | $0.01 - $2,499.99 $2,500 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $74,999.99 $75,000 + |
0.05% 0.05% 0.10% 0.10% 0.15% 0.15% |
0.05% 0.05% 0.10% 0.10% 0.15% 0.15% |
| Personal Smart Choice Money Market | $25,000 | $0.01 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $249,999.99 $250,000 + |
0.05% 0.10% 0.15% 0.15% 0.15% 0.15% |
0.05% 0.10% 0.15% 0.15% 0.15% 0.15% |
| Business Smart Choice Money Market | $25,000 | $0.01 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $249,999.99 $250,000 + |
0.05% 0.10% 0.15% 0.15% 0.15% 0.15% |
0.05% 0.10% 0.15% 0.15% 0.15% 0.15% |
| Personal Now Checking | $100 | $0.01 - $4,999.99 $5,000 + |
0.05% 0.05% |
0.05% 0.05% |
| Super Business Now Checking | $100 | $0.01 - $4,999.99 $5,000 + |
0.05% 0.05% |
0.05% 0.05% |
| Celebration 50 Checking | $100 | $0.01 - $4,999.99 $5,000 + |
0.05% 0.05% |
0.05% 0.05% |
| Premier Checking | $100 | $0.01 - $4,999.99 $5,000 + |
0.05% 0.05% |
0.05% 0.05% |
| Personal Savings | $100 | No Minimum | 0.05% | 0.05% |
| Business Savings | $100 | No Minimum | 0.05% | 0.05% |
| Premier Savings | $100 | No Minimum | 0.05% | 0.05% |
| Celebration 50 Savings | $1 | No Minimum | 0.05% | 0.05% |
| Enhanced Savings | $1 | No Minimum | 0.05% | 0.05% |
| Holiday Club Savings | $10 | No Minimum | 0.05% | 0.05% |
1Penalty may be imposed for early withdrawal on Certificates of Deposit
2APY is Annual Percentage Yield
3 Rates may change after the account is opened and are current as of the effective date. For checking, savings and money market accounts, rates are subject to change after account opening and fees may reduce earnings.
