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Deposit Rates
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Term Certificate, IRA, Checking, and Savings Rates ***
Effective Date Effective February 1, 2012
Rates Subject to Change Without Notice |
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ACCOUNT |
DIVIDEND RATE |
APY* |
MIN BAL TO EARN APY |
Relationship Premium^ Rate |
Relationship Premium^ APY* |
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Term Certificates** |
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Three Months |
0.200% |
0.20% |
$500 |
0.700% |
0.70% |
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Six Months |
0.300% |
0.30% |
$500 |
0.800% |
0.80% |
| One Year |
0.400% |
0.40% |
$500 |
0.900% |
0.90% |
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Two Years |
0.800% |
0.80% |
$500 |
1.290% |
1.30% |
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Thirty Months |
0.850% |
0.85% |
$500 |
1.340% |
1.35% |
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Three Years |
1.140% |
1.15% |
$500 |
1.640% |
1.65% |
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Four Years |
1.340% |
1.35% |
$500 |
1.830% |
1.85% |
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Five Years |
1.490% |
1.50% |
$500 |
1.980% |
2.00% |
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Look Closer-FLEX CD2
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| 13 Months |
0.650% |
0.65% |
$500 |
1.140% |
1.15% |
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Individual Retirement Accounts - IRA/SEP1** |
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Three Months |
0.200% |
0.20% |
$500 |
0.700% |
0.70% |
| Six Months |
0.300% |
0.30% |
$500 |
0.800% |
0.80% |
| One Year |
0.400% |
0.40% |
$500 |
0.900% |
0.90% |
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Two Years |
0.800% |
0.80% |
$500 |
1.290% |
1.30% |
| Thirty Months |
0.850% |
0.85% |
$500 |
1.340% |
1.35% |
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Three Years |
1.140% |
1.15% |
$500 |
1.640% |
1.65% |
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Four Years |
1.340% |
1.35% |
$500 |
1.830% |
1.85% |
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Five Years |
1.490% |
1.50% |
$500 |
1.980% |
2.00% |
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Look Closer
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| 18 Months |
0.650% |
0.65% |
$500 |
1.140% |
1.15% |
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1If you are 59 1/2 or older, you may change the term of your certificate once in a 12-month period (IRAs Only). 2The Flex CD allows you to bump up your rate once during the term of the certificate and you may make one penalty free withdrawal for up to 50% of the balance.
A penalty may be assessed for withdrawals exceeding 50% of the balance.
^ Relationship Premium Rates Apply to Term Certificates and IRAs only. Receive a higher dividend based on your total relationship: Checking with Direct Deposit earns an extra 0.25%, A Mortgage Product earns an extra 0.10%, A Consumer Loan earns an extra 0.15%, Checking without Direct Deposit (open for at least one year) earns an extra 0.15% over our standard rates.
There are no annual maintenance fees on IRA accounts. |
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*Annual Percentage Yield
**Penalty may be imposed for early withdrawal. Fees could reduce earnings on account.
***Share insurance is provided in excess of NCUA federal insurance by MSIC, a Massachusetts-chartered corporation not affiliated with the NCUA or the federal government. |
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Checking |
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ACCOUNT |
DIVIDEND RATE |
APY* |
MIN BAL TO EARN APY |
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Now Checking |
0.050% |
.05% |
$500 |
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Select Checking |
0.050% |
.05% |
$5,000.00 in combined deposit accounts |
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Direct Bonus Checking** |
0.050% |
0.05% |
$500 |
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Champion Checking^ |
0.050% |
0.05% |
$500 |
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Hero Checking^ |
0.050% |
0.05% |
$500 |
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1st Place Checking1 |
0.500% |
0.50% |
$75,000+ |
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1st Place Checking1 |
0.400% |
0.40% |
>=$50,000 |
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1st Place Checking1 |
0.300% |
0.30% |
>=$25,000 |
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1st Place Checking1 |
0.150% |
0.15% |
>=$15,000 |
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1st Place Checking1 |
0.050% |
0.05% |
>=$2,500 |
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1st Place Checking1 |
0.050% |
0.05% |
<$2,500 |
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*Annual Percentage Yield. Fees could reduce earnings on account.
** The amount of your Bonus Payment is 1.00% of your direct deposit amount, which will be capped at $10.00 each month. You must also maintain the daily minimum balance in your statement savings account to receive this Bonus Payment.
^ Free ATMs, checks, Visa Check Card, eStatements, On-Line Banking & Bill Pay. Bonus Dividend of 1.00% of your direct deposit amount, capped at $10 each month w/$100 Savings Account.
1APY reverts to .05% when balance goes below minimum balance.
Minimum opening balance for 1st Place Checking is $15,000. |
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Savings |
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ACCOUNT |
DIVIDEND RATE |
APY* |
MIN BAL TO EARN APY |
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Regular Savings |
0.150% |
0.15% |
$100 |
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Christmas/Vacation Club |
0.150% |
0.15% |
$5 |
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Champion Savings^^ |
0.800% |
0.80% |
$3,000+ |
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Champion Savings^^ |
0.650% |
0.65% |
> = $1,000 |
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Champion Savings^^ |
0.550% |
0.55% |
> = $100 |
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Hero Savings ^^ |
0.800% |
0.80% |
$3,000+ |
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Hero Savings ^^ |
0.650% |
0.65% |
> = $1,000 |
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Hero Savings ^^ |
0.550% |
0.55% |
> = $100 |
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Elite Choice Money Market Savings1 |
0.650 |
0.65 |
> = $75,000 |
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Elite Choice Money Market Savings1 |
0.550 |
0.55 |
> = $50,000 |
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Elite Choice Money Market Savings1 |
0.450 |
0.45 |
> = $25,000 |
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Elite Choice Money Market Savings1 |
0.400 |
0.40% |
> = $10,000 |
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Elite Choice Money Market Savings1 |
0.300% |
0.30% |
> = $2,500 |
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Elite Choice Money Market Savings1 |
0.050% |
0.05% |
< $2,500 |
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*Annual Percentage Yield. Fees could reduce earnings on account.
^^Must have Hero/Champion Checking to be eligible for Hero/Champion Savings.
1Minimum opening balance for Elite Choice Money Market is $2,500. To be eligible to open an Elite Choice Money Market Savings, you must have a Checking account with direct deposit. If your direct deposit is not established within 60 days, we may reduce your dividend and APY on your Elite Choice Money Market Savings. |
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HSA Accounts |
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HSA Checking1 |
1.000% |
1.00% |
No Minimum |
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1Must Have High Deductible Health Plan With Employer |
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Careers
