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Interest Rates for Personal Accounts

Rates effective as of March 22, 2017 

Money Market Accounts1

Deposit SolutionMinimum Required To Open Interest Crediting Frequency Balance Required for Stated RateVariable Interest Rate* Annual Percentage Yield
Marketfund$1,000.00MonthlyAll0.025%0.025%
Premium Fund$2,500.00MonthlyBelow $10,000
$10,000-$24,999.99
$25,000-$49,999.99
$50,000 & Over
0.025%
0.025%
0.030%
0.030%
0.025%
0.025%
0.030%
0.030%
Money Market Plus$5,000MonthlyBelow $10,000
$10,000-$24,999.99
$25,000-$49,999.99
$50,000-$99,999.99
$100,000 & Over
0.025%
0.025%
0.030%
0.030%
0.050%
0.025%
0.025%
0.030%
0.030%
0.050%

Checking2

Deposit SolutionMinimum Required To Open Interest Crediting Frequency Balance Required for Stated RateVariable Interest Rate* Annual Percentage Yield
Legends Checking$100.00MonthlyBelow $100,000
$100,000 and Over
0.010%
0.010%
0.010%
0.010%
Smart Choice Checking$100.00MonthlyBelow $100,000
$100,000 & Over
0.010%
0.010%
0.010%
0.010%

Savings3

Deposit SolutionMinimum Required To Open Interest Crediting Frequency Balance Required for Stated RateVariable Interest Rate* Annual Percentage Yield
Statement Savings$100.00MonthlyAll0.010%0.010%

Health Savings Account4

Minimum Required To Open Interest Crediting Frequency Balance Required for Stated RateVariable Interest Rate* Annual Percentage Yield
$50.00MonthlyBelow $1,0000.010%0.010%
$50.00Monthly$1,000-$2,499.990.05%0.05%
$50.00Monthly$2,500-$4,999.990.20%0.20%
$50.00Monthly$5,000-$9,999.990.40%0.40%
$50.00Monthly$10,000-$19,999.990.60%0.60%
$50.00Monthly$20,000 & Over0.85%0.85%

Certificate of Deposit -- Variable Rate5

Deposit SolutionMinimum Required To Open Interest Crediting Frequency Balance Required for Stated RateVariable Interest Rate* Annual Percentage Yield
6 Month and Above$500.00QuarterlyAll0.025%0.025%

Certificate of Deposit -- Fixed Rate6

Deposit Solution$500-$4,999
Fixed/APY Interest Rate
$5,000-$49,999
Fixed/APY Interest Rate
$50,000-$89,999
Fixed/APY Interest Rate
$90,000+
Fixed/APY Interest Rate
32 Day Time Certificate0.025/0.025%0.025/0.025%0.025/0.025%0.025/0.025%
60 Day Time Certificate0.025/0.025%0.025/0.025%0.025/0.025%0.025/0.025%
90 Day Time Certificate0.025/0.025%0.025/0.025%0.025/0.025%0.025/0.025%
6 Month Time Certificate0.025/0.025%0.025/0.025%0.025/0.025%0.025/0.025%
9 Month Time Certificate0.05/0.05%0.05/0.05%0.05/0.05%0.05/0.05%
12 Month Time Certificate0.075/0.075%0.075/0.075%0.075/0.075%0.075/0.075%
18 Month Time Certificate0.10/0.10%0.10/0.10%0.10/0.10%0.10/0.10%
24 Month Time Certificate0.10%/0.10%0.10%/0.10%0.10%/0.10%0.10%/0.10%
30 Month Time Certificate0.10%/0.10%0.10%/0.10%0.10%/0.10%0.10%/0.10%
36 Month Time Certificate0.15%/0.15%0.15%/0.15%0.15%/0.15%0.15%/0.15%
48 Month Time Certificate0.20%/0.20%0.20%/0.20%0.20%/0.20%0.20%/0.20%
60 Month Time Certificate0.50%/0.50%0.50%/0.50%0.50%/0.50%0.50%/0.50%
  1. *At our discretion we may change the interest rate and annual percentage yield (APY) on your account at any time. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).      
  2. *At our discretion we may change the interest rate and annual percentage yield (APY) on your account at any time. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
  3. *At our discretion we may change the interest rate and annual percentage yield (APY) on your account at any time. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).   

  4. $2.00 monthly fee if daily minimum of $1000 is not met (waived first 6 statement cycles). Normal fees listed in Fee Schedule (PDF) apply (NSF, Stop Payment Fees, Dormant Fees, etc.). Must enroll in eStatements within first 30 days of account opening or a fee of $3.00 will be assessed. At our discretion we may change the interest rate and annual percentage yield (APY) on your account at any time. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

  5. At our discretion, we may change the interest rate on your account.  The Annual Percentage Yield assumes that the interest remains on deposit until maturity. A withdrawal will reduce the APY. Fees could reduce the earnings.  Minimum deposit $500.00 to open. Interest compounds daily. There will be an interest penalty charged for any early withdrawal or redemption. This penalty may invade principal. The amount of the early withdrawal penalty on the amount withdrawn is 30 days interest if the term less than 90 days, 90 days interest if the term is between 90 Days and 9 months, 180 days interest if term is 12-18 months, 270 days interest if term is 24-48 months, and 360 days interest if the term is 60 months or more. For non-IRA time deposits with terms of 24 months or more, a penalty free withdrawal of up to 25% of the principal balance may be made once per term (excludes withdrawals within the first 7 days and must maintain the $500 minimum deposit).  For any variable rate CD, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.
  6. The Annual Percentage Yield assumes that the interest remains on deposit until maturity. A withdrawal will reduce the APY. Fees could reduce the earnings.  Minimum deposit $500.00 to open. Interest compounds daily. There will be an interest penalty charged for any early withdrawal or redemption. This penalty may invade principal. The amount of the early withdrawal penalty on the amount withdrawn is 30 days interest if the term is less than 90 days, 90 days interest if the term is between 90 days and 9 months, 180 days interest if term is 12-18 months, 270 days interest if term is 24-48 months, and 360 days interest if the term is 60 months or more. For non-IRA time deposits with terms of 24 months or more, a penalty free withdrawal of up to 25% of the principal balance may be made once per term (excludes withdrawals within the first 7 days and must maintain the $500 minimum deposit).  For any variable rate CD, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.

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