Rates

Rates are EFFECTIVE April 9, 2014 and are subject to change without notice.

APY = Annual Percentage Yield

Current rates for new accounts are listed below. You can also view deposit rates for grandfathered accounts.

Rewards Checking

BalanceInterest RateAPY
Up to $10,0002.01%2.01%
$10,000 and greater2.01% to 0.32%2.01% to 0.32%
Qualifiers Not Met0.05% 0.05%

Minimum to open account is $50. To qualify for rewards, do the following in your Reward Checking account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 automatic payment or direct deposit post and settle

REALSaver

BalanceInterest RateAPY
Up to $10,0000.75%0.75%
$10,000 and greater0.75% to 0.15%0.75% to 0.15%
Qualifiers Not Met0.05% 0.05%

Minimum to open account is $50. To qualify for rewards, do the following in your Reward Checking account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 automatic payment or direct deposit post and settle

IRAs

TermInterest RateAPY*
3 month0.050.05 T
6 month0.100.10 T
12 month0.200.20 Q
18 month0.300.30 Q
24 month0.400.40 Q

* Annual Percentage Yield, Posting of interest: T - at maturity, Q - Quarterly, M- Monthly Certificates of Deposit under $100,000 require a $1,000 Minimum to open. IRA's may be opened in any amount up to Contribution Limit. There is a substantial penalty for early withdrawal.

Investment CDs

TermInterest RateAPY*
3 month0.050.05 T
6 month0.100.10 T
12 month0.200.20 Q
18 month0.300.30 Q
24 month0.400.40 Q

* Annual Percentage Yield, Posting of interest: T - at maturity, Q - Quarterly, M- Monthly Jumbo CD's require minimum $100,000 to open. There is a substantial penalty for early withdrawal.

Other Deposit Accounts

ProductInterest RateAPY*
Individual Retirement Accounts

Regular CD rates or Variable Rate Account IRA account requires minimum $250 to open. Variable IRA does NOT qualify for Customer Loyalty Calculation.

See Regular CD RatesSee Regular CD Rates
HSA - Health Savings Account

(No minimum opening balance required)

0.900.90 M
Regular Savings

($300 minimum opening balance required)

0.100.10 Q
Shining Star Savings for minors

(No minimum opening balance required)

0.100.10 Q
Five Star Checking

(requires $2,500 minimum opening balance)

(see below)(see below)
Business Checking with Interest

(requires $2,500 minimum opening balance)

(see below)(see below)
Business Money Market

(requires $2,500 minimum opening balance)

(see below)(see below)
Less than $2,500 Balance, $15.00 Service Charge--
Balance $.01 to $25,000.00 earns0.100.10 M
Balance $25,000.01 to $50,000.00 earns0.150.15 M
Balance $50,000.01 to $250,000.00 earns0.150.15 M
Balance $250,000.01 or more0.200.20 M

* Annual Percentage Yield, Posting of interest: T - at maturity, Q - Quarterly, M- Monthly