Rates

Rates Effective April 17, 2014 - Rates subject to change.

APY = Annual Percentage Yield

Fees may reduce earnings

Smart Checking

BalanceMinimum Deposit to OpenRateAPY
Up to $15,000$1001.00% 1.00%
$15,000+$1000.10%1.00% to 0.22%
If qualifications not met$1000.05%0.05%

Qualifications for Smart Checking:

To earn your rewards, simply do the following transactions and activities in your checking account each monthly qualification cycle:

  • Have at least 10 check card purchases post and settle
  • Be enrolled and review eStatement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

Personal Checking Accounts

Product TypeRateAPY
Wise Checking0.05% 0.05%
Interest Checking0.05% 0.05%

Certificates of DepositĀ¹

Product Type Rate APY
30 Day Certificate of Deposit (No Longer Offered) 0.10% 0.10%
90 Day Certificate of Deposit (No Longer Offered) 0.20% 0.20%
182 Day Certificate of Deposit 0.20% 0.20%
12 Month Flex Certificate of Deposit 0.30% 0.30%
15 Month Step Up CD Special (No Longer Offered) 0.40% 0.40%
18 Month Certificate of Deposit 0.35% 0.35%
24 Month Certificate of Deposit 0.40% 0.40%
36 Month Certificate of Deposit 0.45% 0.45%
36 Month Step Up CD Special (No Longer Offered) 0.60% 0.60%
48 Month Certificate of Deposit 0.50% 0.50%
60 Month Certificate of Deposit 0.50% 0.50%
9 Month Certificate of Deposit 0.25% 0.25%
10 Month Step Up CD (No Longer Offered) 0.25% 0.25%

1 Penalties may apply for early withdrawal.

Individual Retirement Accounts

Product TypeRateAPY
30 Day IRA (No Longer Offered) 0.05% 0.05%
12 Month IRA 0.20% 0.20%
18 Month IRA- Variable 0.15% 0.15%
18 Month IRA 0.25% 0.25%
24 Month IRA 0.30% 0.30%
36 Month IRA 0.35% 0.35%
60 Month IRA 0.40% 0.40%
Grow IRA 12 Month Variable0.15%0.15%

Money Market Accounts

Product Type RateAPY
Money Market
Daily Balances of $0.00-$2,499.990.00%0.00%
Daily Balances of $2,500-$9,999.99 0.05%0.05%
Daily Balances of $10,000-$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 over0.25%0.25%

Personal Savings Accounts

Product TypeRateAPY
Sure Savings0.15%0.15%
Smarty Pants Savings 0.15%0.15%
Health Savings Accounts
Up to $2,999 0.05%0.05%
$3,000 to $9,9990.05%0.05%
$10,000 and over 0.05%0.05%