Checking & Deposit Rates
Power Plus Checking
| Account Balance | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|
| ($0 - 2,499.99) |
$0 |
0.00% |
0.00% |
Monthly |
| ($2,500 - 4,999.99) |
$2,500 |
0.10% |
0.10% |
Monthly |
| ($5,000 - 9,999.99) |
$5,000 |
0.10% |
0.10% |
Monthly |
| ($10,000 - 24,999.99) |
$10,000 |
0.10% |
0.10% |
Monthly |
| ($25,000 - 49,999.99) |
$25,000 |
0.10% |
0.10% |
Monthly |
| ($50,000 - 74,999.99) |
$50,000 |
0.15% |
0.15% |
Monthly |
| ($75,000 - 99,999.99) |
$75,000 |
0.15% |
0.15% |
Monthly |
| ($100,000 and up) |
$100,000 |
0.15% |
0.15% |
Monthly |
Money Market Plus2
| Account Balance | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|
| ($2,500 - 9,999.99) |
$1 |
0.10% |
0.10% |
Monthly |
| ($10,000 - 24,999.99) |
$10,000 |
0.20% |
0.20% |
Monthly |
| ($25,000 - 49,999.99) |
$25,000 |
0.20% |
0.20% |
Monthly |
| ($50,000 - 99,999.99) |
$50,000 |
0.20% |
0.20% |
Monthly |
| ($100,000 - 249,999.99) |
$100,000 |
0.25% |
0.25% |
Monthly |
| ($250,000 and up) |
$250,000 |
0.25% |
0.25% |
Monthly |
Platinum Money Market2
| Account Balance | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|
| ($10,000 - 49,999.99) |
$1 |
0.10% |
0.10% |
Monthly |
| ($50,000 - 249,999.99) |
$50,000 |
0.25% |
0.25% |
Monthly |
| ($250,000 - 499,999.99) |
$250,000 |
0.25% |
0.25% |
Monthly |
| ($500,000 - 999,999.99) |
$500,000 |
0.30% |
0.30% |
Monthly |
| ($1,000,000 and up) |
$1,000,000 |
0.10% |
0.10% |
Monthly |
Regular Savings2
| Account | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|
| Regular Savings |
$100 |
0.15% |
0.15% |
Quarterly |
IRA Savings2
| Account | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|
| IRA Savings |
$1 |
0.25% |
0.25% |
Quarterly |
1Annual Percentage Yield. Rates and terms are subject to change without notice.
- Variable Interest Rate accounts.
- Fees and other conditions could reduce the earnings on your account.
2Federally Regulated, Limited Transaction Accounts: transfers and withdrawals by preauthorized, automatic telephone, wire, check, draft, debit card or computer transfer are limited to six per statement cycle. A REG D Excess Transaction Fee of $32.00 will be charged for each pre-authorized withdrawal, check, draft or debit card withdrawal in excess of six per statement cycle. In addition, a $6.00 fee applies after six withdrawals per statement cycle. Customers will be allowed three months of REG D Excess Transactions within a twelve month period. Further violation will result in the closing of the account.
Certificate of Deposit Rates
Regular Certificates
| Term | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|
| 3 Month |
$1,000 |
0.10% |
0.10% |
Term |
| 6 Month |
$1,000 |
0.20% |
0.20% |
Quarterly |
| 9 Month |
$1,000 |
0.40% |
0.40% |
Quarterly |
| 12 Month |
$1,000 |
0.55% |
0.55% |
Quarterly |
| 18 Month |
$1,000 |
0.85% |
0.85% |
Quarterly |
| 24 Month |
$1,000 |
1.00% |
1.00% |
Quarterly |
| 30 Month |
$1,000 |
1.05% |
1.05% |
Quarterly |
| 36 Month |
$1,000 |
1.10% |
1.10% |
Quarterly |
| 48 Month |
$1,000 |
1.24% |
1.25% |
Quarterly |
| 60 Month |
$1,000 |
1.59% |
1.60% |
Quarterly |
Encore!CD4
|
Term
| Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|
| 8 Month Encore!CD |
$5,000 |
0.30% |
0.30% |
Quarterly |
| 12 Month Encore!CD |
$5,000 |
0.50% |
0.50% |
Quarterly |
| 14 Month Encore!CD |
$5,000 |
1.00% |
1.00% |
Quarterly |
| 18 Month Encore!CD |
$5,000 |
0.75% |
0.75% |
Quarterly |
Jumbo Certificates
|
Term
| Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|
| 6 Mo. Mini Jumbo |
$50,000 |
0.25% |
0.25% |
Monthly |
| 12 Mo. Mini Jumbo |
$50,000 |
0.65% |
0.65% |
Monthly |
| 6 Mo. Jumbo |
$95,000 |
0.30% |
0.30% |
Monthly |
| 12 Mo. Jumbo |
$95,000 |
0.75% |
0.75% |
Monthly |
IRA Certificates
|
Term
| Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|
| 9 Mo. |
$1,000 |
0.40% |
0.40% |
Quarterly |
| 12 Mo. |
$1,000 |
0.55% |
0.55% |
Quarterly |
| 18 Mo. Encore! |
$5,000 |
0.75% |
0.75% |
Quarterly |
| 30 Mo. |
$1,000 |
1.05% |
1.05% |
Quarterly |
| 48 Mo. |
$1,000 |
1.24% |
1.25% |
Quarterly |
| 60 Mo. |
$1,000 |
1.59% |
1.60% |
Quarterly |
Jumbo IRAs
|
Term
| Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|
| 6 Mo. Mini |
$50,000 |
0.25% |
0.25% |
Monthly |
| 12 Mo. Mini |
$50,000 |
0.65% |
0.65% |
Monthly |
| 6 Mo. Jumbo |
$95,000 |
0.30% |
0.30% |
Monthly |
| 12 Mo. Jumbo |
$95,000 |
0.75% |
0.75% |
Monthly |
3Annual Percentage Yield.
- Fees and other conditions could reduce the earnings on your account.
- Early withdrawal fee will be assessed.
- Additional rate bonuses may be avaliable on some CD's that will provide a higher rate/yield. Visit the bank for more information.
4Encore!CD - has terms of 8, 12, 14, and 18 months, with the option to bump-up the rate one time during the term. Minimum opening deposit required $5,000.
