Online Banking

Interest Rates

Effective May 16, 2013 - Rates subject to change

Personal Checking Accounts
Product Type Rate APY
Smart Checking 1.00% 1.00%
      $15,000 and above qualifying rate 0.10% 0.10%
      Non-Qualifying rate 0.05% 0.05%
Wise Checking 0.05% 0.05%
Sharp Checking 0.05% 0.05%
Sound Checking 0.05% 0.05%
Certificates of Deposits
Product Type Rate APY
30 Day Certificate of Deposit (No Longer Offered) 0.10% 0.10%
90 Day Certificate of Deposit (No Longer Offered) 0.15% 0.15%
182 Day Certificate of Deposit 0.25% 0.25%
12 Month Flex Certificate of Deposit 0.35% 0.35%
15 Month Step Up CD Special (No Longer Offered) 0.60% 0.60%
18 Month Certificate of Deposit 0.35% 0.35%
24 Month Certificate of Deposit 0.50% 0.50%
36 Month Certificate of Deposit 0.55% 0.55%
36 Month Step Up CD Special (No Longer Offered) 0.60% 0.60%
48 Month Certificate of Deposit 0.60% 0.60%
60 Month Certificate of Deposit 0.60% 0.60%
9 Month Certificate of Deposit 0.25% 0.25%
10 Month Step Up CD (No Longer Offered) 0.25% 0.25%
Individual Retirement Accounts
Product Type Rate APY
30 Day IRA (No Longer Offered) 0.05% 0.05%
12 Month IRA 0.25% 0.25%
18 Month IRA- Variable 0.15% 0.15%
18 Month IRA 0.25% 0.25%
24 Month IRA 0.40% 0.40%
36 Month IRA 0.45% 0.45%
60 Month IRA 0.50% 0.50%
Grow IRA 12 Month Variable 0.15% 0.15%
Money Market Accounts
Product Type Rate APY
Bright Money Market
Daily Balances of $0-$9,999.99 0.05% 0.05%
Daily Balances of $10,000-$24,999.99 0.10% 0.10%
Daily Balances of $25,000-$49,999.99 0.15% 0.15%
Daily Balances of $50,000-$99,999.99 0.20% 0.20%
Daily Balances of $100,000 and over 0.25% 0.25%
Clear Money Market
$0-$99,999 0.25% 0.25%
$100,000-$249,999 0.25% 0.25%
$250,000-$499,999 0.25% 0.25%
$500,000 and over 0.25% 0.25%
Personal Savings Accounts
Product Type Rate APY
Smart Saver (No Longer Offered) 0.20% 0.20%
      $50,000 and above qualifying rate 0.10% 0.10%
      Non-Qualifying rate 0.05% 0.05%
Sure Savings 0.15% 0.15%
Smarty Pants Savings 0.15% 0.15%
Health Savings Accounts
Up to $2,999 0.05% 0.05%
$3,000 to $9,999 0.05% 0.05%
$10,000 and over 0.05% 0.05%

Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of May 16, 2013. Rate tiers are as follows: 1.00% APY applies to balances of $.01 - $15,000 and 0.10% APY applies to balances over $15,000 if qualifications are met each monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.05% APY - 1.00% APY if monthly qualifications are met.