Deposit Account Rates

Rates accurate as of 06/12/18. Rates subject to change anytime. APY = Annual Percentage Yield.

CDs & IRA Specials

Term

Certificate*

IRA*

APY

Interest Rate

1 Year CD

(New money only. Auto-renews into a Standard 1 Year CD.)

$5,000

N/A 

 1.75%

1.74% 

Celebration 18-Month CD(1)

$5,000

N/A

1.90%

2.18%
(first 6 months)

 

1.74%

(remaining 12 months)

2-Year Choice Plus(2,4)

(1 time rate bump. Additions of $500 or more any time.)

 

$10,000

$5,000(3)

2.20%

2.18%

32-Month

 

$5,000

$5,000(3)

2.35%

2.33%

3-Year

 

$1,000

$500

2.00%

1.99%

*Minimum balance to open/obtain the APY. Early withdrawal may be subject to penalty. Fees may reduce earnings.

CDs & IRAs

Term

Certificate*

IRA*

APY

Interest Rate

6-Month

$1,000

N/A

0.50%

0.50%

1-Year

$1,000

$500

0.55%

0.55%

15-Month

$5,000

N/A

1.50%

1.49%

2-Year

$1,000

$500

0.70%

0.70%

4-Year

$1,000

$1,000(3)

1.50%

1.49%

5-Year

$1,000

$1,000(3)

1.60%

1.59%

Young Savers

(2 year term, under age 18, Additions of $50 or more any time.)

$200

N/A

0.70%

0.70%

*Minimum balance to open/obtain the APY. Early withdrawal may be subject to penalty. Fees may reduce earnings.

Checking Accounts

($100 minimum balance to open)

Account Type

Balance

APY

Interest Rate

Ultimate Interest Checking(4,5)

$10,000 or more

0.10%

0.10%

 

$1,000 - $9,999

0.05%

0.05%

 

Less than $1,000

0.00%

0.00%

Star Checking(4,6)

-

0.05%

0.05%

 

Money Market Accounts(7,8,9) 

Account Type

Balance

APY

Interest Rate

FOUNDERS CLUB Money Market(10)

($10,000 Minimum Balance to Open)

$10,000 or more

1.00%

1.00%

GUARANTEED FOR 1 YEAR

Money Market Checking

($1,000 Minimum Balance to Open)

$100,000 or more 0.30% 0.30%
  $25,000 - $99,000 0.20% 0.20%
  Less than $25,000 0.10% 0.10%

 

Savings Accounts(7)

Account Type

Min. Balance
to open

Min. Balance
to obtain APY

APY

Interest Rate

Platinum Personal Savings(11)

$25,000

$25,000

0.25%

0.25%

Statement Savings(12)

$50

$100

0.05%

0.05%

Cashus Kids Club Savings(13)

None

None

0.05%

0.05%

 

Health Savings Accounts(14)

($100 minimum balance to open)

Balance

APY

Interest Rate

$10,000 or more

0.20%

0.20%

$2,500 - $9,999

0.15%

0.15%

Less than $2,500

0.10%

0.10%

APY: Annual Percentage Yield.

(1) The initial interest rate of 2.18% (APY of 1.90%) is in effect for the 6 months only, then changes to 1.74% (APY of 1.90%) for 12 months. Auto-renews into standard 1 Year CD.
(2) Additions after the initial deposit are limited to a cumulative amount of $50,000. Allows a 1 time rate bump to the then current rate on the 2 Year Choice Plus CD. The rate is changed for the remainder of the term and is applicable to the entire balance.
(3) Available for rollovers, transfers & 2018 contributions.
(4) Personal accounts only.
(5) If balance falls below the $1,000 minimum any time during the statement cycle, a monthly service charge of $7.50 will apply.
(6) Must be age 50+, or Active Military/Veteran.
(7) During calendar month: no more than six preauthorized and/or automatic transfers and withdrawals, which include: telephone and online banking transfers.
(8) Each debit in­­ excess of regulatory limitations may result in a charge of $7.50/item.
(9) Except FOUNDERS CLUB, if balance falls below the $1,000 minimum any time during the statement cycle, a monthly service charge of $5.00 plus a $0.25 per check and withdrawal fee will apply.
(10) If balance falls below the $10,000 minimum, the account no longer qualifies for the 1.00% APY and will convert to 0.10% APY. The initial interest rate of 1.00% (APY of 1.00%) is in effect for the 1st year only. The 2nd year variable rate of at least 0.75% (APY of 0.75%) will be effective 1 year from the open date, after the current cycle is completed, and may change monthly at our discretion. The 3rd year rate will be a variable rate, effective 2 years from the open date, and may change monthly at our discretion. See Product Brochure for full terms and conditions.
(11) If balance falls below the $25,000 minimum, the account rate switches to 0.20% APY.
(12) If balance falls below the $100 minimum any time during the statement cycle, a monthly service charge of $3.00 will apply.
(13) For ages 12 and younger.
(14) See HSA brochure for more details, including explanation of qualified expenses and annual contribution limits.

 

The rate may change after the account is opened for variable rate accounts. Fees imposed could reduce the earnings on accounts. Early withdrawal may be subject to penalty. Ask us for other applicable fees, terms and additional details. Member FDIC.

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