Deposit Rates

Rates are effective as of April 6, 2017.

ProductRateAPY
(Annual Percentage Yield)
Minimum to OpenMinimum to Avoid Service ChargeService ChargeRequirements
Relationship Checking$1,500.00$1,500.00$10.00
$0.00 - $1,499.990.05%0.05%
$1,500.00 - more 0.15%0.15%
Rewards Checking$50.00See Requirements None10 debit card transactions
$250 minimum direct deposit/month
eStatement enrollment
$0.00 - $14,999.99

1.15%

1.15%

$15,000.00 - more0.20%0.20%
Default rate if requirements aren't met0.01%0.01%
HSA CheckingNoneNoneNo Monthly Fee
$0.00 - $2,499.99

0.10%
0.10%
$2,500.00 - 9,999.990.20%0.20%
$10,000.00 - $24,999.990.30%0.30%
$25,000.00 - more0.40%0.40%
Statement Savings0.05%0.05%$50.00NoneNone
Penny the Panda Custodial Savings0.05%0.05%$5.00NoneNoneBank will match up to $5.00 per deposit - up to 5 times during the first year the account is active
Freedom Money Market$2,500.00$2,500.00$5.00
$0.00 - $2,499.990.05%0.05%
$2,500.00 - $49,999.990.25%0.25%
$50,000.00 - $99,999.990.35%0.35%
$100,000.00 - $199,999.990.45%0.45%
$200,000.00 - more0.55%0.55%
Relationship Money Market$5,000.00$5,000.00$5.00Must have at least $5,000 average checking balance across any combination of checking products, including business checking for the statement cycle or 0.01%
$0.00 - $4,999.990.20%0.20%
$5,000.00 - $199,999.990.85%0.85%
$200,000.00 - more0.55%0.55%
Default rate if requirements are not met0.01%0.01%
Legacy Relationship MMA (retired 2/1/2017)$2,500.00$2,500.00$5.00Corresponding checking account must have the following activity within each statement cycle or the money market rate reverts to a statement savings rate:
10 signature based debit card transactions OR
$250 monthly direct deposit
$0.00 - $199,999.99
0.85%0.85%$2,500.00$2,500.00$5.00
$200,000.00 - more 0.30%0.30%
Certificates of Deposit
Add-On CD0.50%
0.50%$100.00
N/AN/A
91 Day CD0.45%0.45%$500.00N/AN/A
6 Month CD0.50%0.50%$500.00N/AN/A
1 Year CD0.70%0.70%$500.00N/AN/A
18 Mo CD0.80%0.80%$500.00N/AN/A
2 Year CD0.90%0.90%$500.00N/AN/A
3 Year CD1.10%1.10%$500.00N/AN/A
4 Year CD1.30%1.30%$500.00N/AN/A
5 Year CD1.50%1.50%$500.00N/AN/A
CD Specials
3 Year Bump Up CD1.00%
1.00%
$500.00
N/AN/A
4 Year Bump Up CD1.20%1.20%$500.00N/AN/A
5 Year Bump Up CD1.40%1.40%$500.00N/AN/A

Determination of Rate – At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes – We may change the interest rate on your account at any time.

Limitation on Rate Changes – The interest rate for your account will never be less than 0.010%.

Compounding and crediting – Interest will be compounded and credited monthly on all applicable checking and savings accounts and credited and compounded yearly on all applicable time deposits.

Fees and charges – Penalties may apply for early withdrawal from time deposit accounts.  A fee schedule will be provided to you at the time you open an account and upon request. 

For more information, please contact us at 262-542-4448.