Checking & Savings Accounts

Personal Checking Accounts

Effective Date: Thursday, April 17, 2014

Minimum to
Open Account
Minimum Balance
to Earn APY
Interest Rate APY
Reward Checking *
Personal Accounts Only
$25 $1 .05% .05% + How To Open
$25 $1 - $25,000 .50% .50% +
$25 Above $25,000 .10% .10% +
Bonus Benefits* $25 $1 .05% .05% HOW TO OPEN

Annual Percentage Yield (APY) is accurate as of effective date listed above.

*The following requirements must be met each monthly activity cycle to earn APY:

  • Access online banking at least once
  • Receive your monthly statement electronically
  • One direct deposit or ACH auto debit transaction
  • Make at least ten (10) Debit Card transactions (excluding ATM transactions)

Requirements must be met each monthly qualification cycle to earn bonus rates and ATM refunds. The qualification cycle means the period beginning on the third (3rd) Friday of the month and running through to the close of the current statement cycle on the third (3rd) Thursday of the month. If the required minimum monthly activity is performed during the qualified cycle, your account will be credited interest calculated using the bonus rate tiers. If the required minimum monthly activity is not performed during the qualification cycle, your account will be credited interest calculated using the base interest rate.

+ .50% APY paid on balances $1-$25,000, and 0.10% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. If you do not meet the requirements during a given cycle, you will earn the Base Rate of 0.05% APY.

$25 minimum to open account all checking accounts.
All rates are subject to change without notice.


Personal Savings Accounts

Effective Date: Thursday, April 17, 2014

Minimum to
Open Account
Minimum Balance
to Earn APY
Interest Rate APY
Statement Savings *
Variable Rate
$50 $50 .10% .10% How To Open
Youth Statement Savings
Variable Rate
$1 $4 .10% .10% How To Open
Savers Club
Variable Rate"
$2 $2 .10% .10% How To Open
Money Market Account *
Variable Rate
$1,000 $1,000.00-$9,999.99 .05% .05% How To Open
$10,000-$49,999.99 .10% .10%
  $50,000-$99,999.99 .15% .15%
$100,000-$499,999.99 .25% .25%
$500,000.00-over .30% .30%
Health Savings Account *
Variable Rate
$25 $1 .05% .05% How To Open
$1,000 .10% .10%
$5,000 .15% .15%
$15,000 .20% .20%

Annual Percentage Yield (APY) is accurate as of effective date listed above.

The rate may change on variable rate deposit products after the account is opened.

* Fees could reduce the earnings on the account.

All rates are subject to change without notice.


Business Checking & Savings Accounts

Effective Date: Thursday, April 17, 2014

Minimum to
Open Account
Minimum Balance
to Earn APY
Interest Rate APY
Non-Profit Plus
Variable Rate
$500 $10,000 .20% .20% How To Open
$50,000 .30% .30%
Business NOW Account $500 $500 .05% .05% How To Open
Money Market Account*
Variable Rate
$1000 $1,000.00-$9,999.99 .05% .05% How To Open
$10,000-$49,999.99 .10% .10%
$50,000-$99,999.99 .15% .15%
$100,000-$499,999.99 .25% .25%
$500,000-over .30% .30%

Annual Percentage Yield (APY) is accurate as of effective date listed above.

All rates are subject to change without notice.

The rate may change on variable rate deposit products after the account is opened.

* Fees could reduce the earnings on the account.