Interest Rates
Effective February 2, 2012 - Rates subject to change
Personal Checking Accounts
| Product Type |
Rate |
APY |
|
Smart Checking
|
2.03% |
2.05% |
| $25,000 and above qualifying rate |
0.15% |
0.15% |
| 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 |
0.10% |
0.10% |
| 90 Day Certificate of Deposit |
0.15% |
0.15% |
| 182 Day Certificate of Deposit |
0.30% |
0.30% |
| 12 Month Flex Certificate of Deposit |
0.55% |
0.55% |
| 15 Month Step Up CD Special |
1.05% |
1.05% |
| 18 Month Certificate of Deposit |
0.60% |
0.60% |
| 24 Month Certificate of Deposit |
0.85% |
0.85% |
| 36 Month Certificate of Deposit |
1.00% |
1.00% |
| 36 Month Step Up CD Special (No Longer Offered) |
1.00% |
1.00% |
| 48 Month Certificate of Deposit |
1.15% |
1.15% |
| 60 Month Certificate of Deposit |
1.35% |
1.36% |
| 9 Month Certificate of Deposit |
0.50% |
0.50% |
| 10 Month Step Up CD (No Longer Offered) |
0.50% |
0.50% |
Individual Retirement Accounts
| Product Type |
Rate |
APY |
| 30 Day IRA |
0.05% |
0.05% |
| 12 Month IRA |
0.45% |
0.45% |
| 18 Month IRA- Variable |
0.15% |
0.15% |
| 18 Month IRA |
0.50% |
0.50% |
| 24 Month IRA |
0.75% |
0.75% |
| 36 Month IRA |
0.90% |
0.90% |
| 60 Month IRA |
1.25% |
1.26% |
| 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 |
0.10% |
0.10% |
| Daily Balances of $10,000-$24,999.99 |
0.20% |
0.20% |
| Daily Balances of $25,000-$49,999.99 |
0.30% |
0.30% |
| Daily Balances of $50,000-$99,999.99 |
0.40% |
0.40% |
| Daily Balances of $100,000 and over |
0.45% |
0.45% |
|
Clear Money Market
|
| $0-$99,999 |
0.45% |
0.45% |
| $100,000-$249,999 |
0.55% |
0.55% |
| $250,000-$499,999 |
0.65% |
0.65% |
| $500,000 and over |
0.65% |
0.65% |
Personal Savings Accounts
| Product Type |
Rate |
APY |
|
Smart Saver
|
0.50% |
0.50% |
| $50,000 and above qualifying rate |
0.15% |
0.15% |
| 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 February 2, 2012. Rate tiers are as follows: 2.05% APY applies to balances of $.01 - $25,000 and 0.15% APY applies to balances over $25,000 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 - 2.05% APY if monthly qualifications are met.
