Deposit Rates

Rates effective as of September 19, 2018.

REWARDChecking

BalanceRateAPY*
Up to $15,000 2.97% 3.01%
Over $15,000 0.25% 0.25%
If qualifications not met 0.05% 0.05%

To earn your rewards, simply do the following activities and transactions in your REWARDChecking account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear per monthly qualification cycle
  • Sign up for e-statements
  • Access your account online per monthly qualification cycle

*Annual Percentage Yield. Fees may reduce earnings.

APY for these accounts are in effect as of 6/18/12 and calculated based on the daily balance method. Qualifications apply. See a financial services representative for details. Rate tiers for REWARDChecking: 3.01% APY applies to balances up to $15,000 and 0.25% APY applies to the portion of the balance over $15,000 when requirements are met each earnings cycle. 0.05% APY applies to checking balances if qualifications are not met.

REWARDSavings

BalanceRateAPY*
Up to $15,000 1.50% 1.51%
Over $15,000 0.25% 0.25%
If qualifications not met 0.05% 0.05%

To earn your rewards, simply do the following activities and transactions in your REWARDChecking account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear per monthly qualification cycle
  • Sign up for e-statements
  • Access your account online per monthly qualification cycle

*Annual Percentage Yield. Fees may reduce earnings.

APY for these accounts are in effect as of 6/18/12 and calculated based on the daily balance method. Qualifications apply. See a financial services representative for details.Rate tiers: 1.51% APY applies to savings balances up to $15,000 and 0.25% APY on balances over $15,000 when requirements are met each earnings cycle. 0.05% APY applies if qualifications are not met.

CashBackSavings

BalanceRateAPY*
Up to $15,000 1.50% 1.51%
Over $15,000 0.25% 0.25%
If qualifications not met 0.05% 0.05%

To earn your rewards, simply do the following activities and transactions in your CashBackChecking account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear per monthly qualification cycle
  • Sign up for e-statements
  • Access your account online per monthly qualification cycle

*Annual Percentage Yield. Fees may reduce earnings.

APY for these accounts are in effect as of 6/18/12 and calculated based on the daily balance method. Qualifications apply. See a financial services representative for details.Rate tiers: 1.51% APY applies to savings balances up to $15,000 and 0.25% APY on balances over $15,000 when requirements are met each earnings cycle. 0.05% APY applies if qualifications are not met.

Reward Money Market

BalanceRateAPY*
Under $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.50% 0.50%
$100,000 - $249,999.99 1.00% 1.00%
$250,000 + 1.25% 1.26%

*Annual Percentage Yield. Fees may reduce earnings.

Client must have a qualifying Reward Checking account and must qualify at least once every three cycles to maintain account. If client fails to qualify after three consecutive cycles the account will revert to regular Money Market APY.

Health Savings Accounts (HSAs)

BalanceRateAPY*
Under $1,000 0.20% 0.20%
$1,000 - $4,999.99 0.30% 0.30%
$5,000 + 0.80% 0.80%

*Annual Percentage Yield. Fees may reduce earnings.

Balance level determines daily interest rate and annual percentage yield on the entire available balance in your account.

Deposit Accounts

AccountRateAPY*
Interest Checking 0.20% 0.20%
Christmas Club 0.17% 0.17%
Statement Savings 0.20% 0.20%

*Annual Percentage Yield. Fees may reduce earnings.



First-Time Homebuyers Savings

BalanceRateAPY*
Up to $19,999.99 1.50% 1.51%
Over $20,000.00 0.20% 0.20%

*Annual Percentage Yield. Fees may reduce earnings.

Only one withdrawal per account, the first withdrawal will close the account and check issued for the purchase of the home.

Certificates of Deposit

Special Certificates of Deposit

TermMinimum InvestmentRateAPY*
23 Months $25,000 1.90% 1.91%
23 Months $50,000 2.00% 2.01%
23 Months $100,000 2.10% 2.11%
49 Months   $25,000 2.25% 2.26%
49 Months   $50,000 2.50% 2.52%
49 Months   $100,000 2.60% 2.62%

*Annual Percentage Yield. Fees may reduce earnings.

Special certificate of deposit rates apply for personal accounts only.

Regular Certificates of Deposit

TermMinimum BalanceRateAPY*
3 Months $2,000 0.10% 0.10%
3 Months $25,000 0.10% 0.10%
3 Months $50,000 0.15% 0.15%
6 Months $2,000 0.30% 0.30%
6 Months $25,000 0.35% 0.35%
6 Months $50,000 0.40% 0.40%
9 Months $2,000 0.30% 0.30%
9 Months $25,000 0.35% 0.35%
9 Months $50,000 0.40% 0.40%
12 Months $2,000 0.30% 0.30%
12 Months $25,000 0.40% 0.40%
12 Months $50,000 0.40% 0.40%
18 Months $2,000 0.35% 0.35%
18 Months $25,000 0.40% 0.40%
18 Months $50,000 0.45% 0.45%
21 Months $2,000 0.40% 0.40%
21 Months $25,000 0.45% 0.45%
21 Months $50,000 0.50% 0.50%
24 Months $2,000 0.50% 0.50%
24 Months $25,000 0.55% 0.55%
24 Months $50,000 0.60% 0.60%
30 Months $2,000 0.60% 0.60%
30 Months $25,000 0.65% 0.65%
30 Months $50,000 0.70% 0.70%
36 Months $2,000 0.70% 0.70%
36 Months $25,000 0.75% 0.75%
36 Months $50,000 0.80% 0.80%
60 Months $2,000 1.25% 1.25%
60 Months $25,000 1.51% 1.52%
60 Months $50,000 1.51% 1.52%

*Annual Percentage Yield. Fees may reduce earnings.

Certificates of deposit are available to minors with a custodian for a minimum $500 deposit or more. Ask a personal banker for details.

Money Market Investment Account

BalanceRateAPY*
Under $4,999 0.20% 0.20%
$5,000 - $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.25% 0.25%
$100,000+ 0.30% 0.30%

*Annual Percentage Yield. Fees may reduce earnings.

Balance level determines daily interest rate and annual percentage yield on the entire available balance in your account.

Individual Retirement Accounts (IRAs)

AccountRateAPY*
IRA Money Market 1.51% 1.52%

*Annual Percentage Yield. Fees may reduce earnings.