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Deposit Rates

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Effective Date:

Savings

Account Type
 
 
Required Opening Deposit
 
Minimum Daily Balance to Avoid Fee Minimum Daily Balance to Earn APY
Dividend Rate / APY*
 
Share Savings $5 $0 $0 0.10% / 0.10%
Sub-Share Savings $0 $0 $0 0.10% / 0.10%
Property Tax Savings $0 $0 $0 0.10% / 0.10%
Empowering Kids Savings** $5 $0 $0 3.00% / 3.04%
Empowering Teens Savings** $5 $0 $0 3.00% / 3.04%
Health Savings $0 $0 $0 1.50% / 1.51%
*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open a Regular Savings, Empowering Kids Savings or Empowering Teens Savings is $5 (one share). **3.04% APY/3.00% dividend rate is applicable to balances up to $1,000.00 on Empowering series savings accounts only, offer does not apply to checking accounts. Balances over $1,000.00 will earn the regular share rates, currently 0.10% APY/0.10% dividend rate.  









Checking

Account Type
 
 
Required Opening Deposit
 
Minimum Daily Balance to Avoid Fee Minimum Daily Balance to Earn APY
Dividend Rate / APY*
 
Easy Does It Checking  $0 $0 $0 0.00% / 0.00%
Checking Plus** $0 $200 OR Direct Deposit $500 0.10% / 0.10%
*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. **Checking Plus Accounts require either Direct Deposit or $200 to open and minimum daily balance to avoid $5.00 monthly fee; $500 required to obtain APY.  









Investments

Minimum Deposit
 
Dividend Rate without Checking
APY without Checking
 
Dividend Rate with Checking
 
APY with Checking
 
$2,500 0.50% 0.50% 0.60% 0.60%
$15,000 1.00% 1.01% 1.10% 1.11%
$75,000 1.98% 2.00% 2.08% 2.10%
$250,000 2.96% 3.00% 3.06% 3.10%
*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. Money Market Accounts falling below $2,500 receive the 0.10% regular savings dividend rate/APY.
Minimum Deposit
Certificate Term
Dividend Rate
APY*
$500 90 Day  1.00 1.01%
$500 6 Month 1.75% 1.76%
$2,000** 9 Month 4.13% 4.20%
$500 12 Month 2.50% 2.52%
$500 18 Month 2.50% 2.52%
$500 24 Month 2.50% 2.52%
$500 30 Month 2.50% 2.52%
$500 36 Month 2.50% 2.52%
$500 48 Month 2.50% 2.52%
$500 60 Month 2.50% 2.52%
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and API are subject to change without notice. Minimum deposit/balance of $500 to open/earn APY. **Minimum deposit/balance of $2000 to open/earn APY. 
Minimum Deposit
Dividend Rate
APY*
$0 0.75% 0.75%
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and APY are subject to change without notice. 
Minimum Deposit
Certificate Term
Dividend Rate
APY*
$500 90 Day  1.00% 1.01%
$500 6 Month 1.75% 1.76%
$2,000** 9 Month 4.13% 4.20%
$500 12 Month 2.50% 2.52%
$500 18 Month 2.50% 2.52%
$500 24 Month 2.50% 2.52%
$500 30 Month 2.50% 2.52%
$500 36 Month 2.50% 2.52%
$500 48 Month 2.50% 2.52%
$500 60 Month 2.50% 2.52%
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and API are subject to change without notice. Minimum deposit/balance of $500 to open/earn APY. **Minimum deposit/balance of $2000 to open/earn APY.

Minimum Deposit
 
Dividend Rate without Checking
APY without Checking
 
Dividend Rate with Checking
 
APY with Checking
 
$0 0.75% 0.75% 1.00% 1.01%
$15,000 1.75% 1.76% 2.00% 2.02%
$100,000 2.75% 2.79% 3.00% 3.04%
$500,000 3.50% 3.56% 3.75% 3.82%
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees and/or penalties could reduce earnings. Dividend rates and APY are subject to change without notice.