Deposit Rates
Checking Accounts
Free Checking
| Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| Free Personal Checking |
N/A |
0.00% |
0.00% |
$25.00 |
| Free Business Checking |
N/A |
0.00% |
0.00% |
$100.00 |
VIP Checking
| Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| "VIP" Interest Checking |
$0.01 to $4,999.99 |
0.05% |
0.05% |
$100.00 |
| "VIP" Interest Checking |
$5,000.00 to $19,999.99 |
0.10% |
0.10% |
$100.00 |
| "VIP" Interest Checking |
$20,000 and above |
0.20% |
0.20% |
$100.00 |
Non-Profit Checking
| Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| Non-Profit Checking Tier 1 |
$0.01 to $2,499.99 |
0.10% |
0.10% |
$100.00 |
| Non-Profit Checking Tier 2 |
$2,500.00 to $24,999.99 |
0.20% |
0.20% |
$100.00 |
| Non-Profit Checking Tier 3 |
$25,000.00 to $49,999.99 |
0.35% |
0.35% |
$100.00 |
| Non-Profit Checking Tier 4 |
$50,000.00 to $99,999.99 |
0.35% |
0.35% |
$100.00 |
| Non-Profit Checking Tier 5 |
$100,000.00 and above |
0.45% |
0.45% |
$100.00 |
|
Savings Accounts
Statement Savings
| Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| Statement Savings Tier 1 |
$0.01 to $2,499.99 |
0.05% |
0.05% |
$100.00 |
| Statement Savings Tier 2 |
$2,500.00 to $24,999.99 |
0.05% |
0.05% |
$100.00 |
| Statement Savings Tier 3 |
$25,000.00 to $49,999.99 |
0.10% |
0.10% |
$100.00 |
| Statement Savings Tier 4 |
$50,000.00 to $99,999.99 |
0.10% |
0.10% |
$100.00 |
| Statement Savings Tier 5 |
$100,000.00 and above |
0.20% |
0.20% |
$100.00 |
Minor Statement Savings
| Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| Minor Statement Savings Tier 1 |
$0.01 to $2,499.99 |
0.05% |
0.05% |
$100.00 |
| Minor Statement Savings Tier 2 |
$2,500.00 to $24,999.99 |
0.05% |
0.05% |
$100.00 |
| Minor Statement Savings Tier 3 |
$25,000.00 to $49,999.99 |
0.10% |
0.10% |
$100.00 |
| Minor Statement Savings Tier 4 |
$50,000.00 to $99,999.99 |
0.10% |
0.10% |
$100.00 |
| Minor Statement Savings Tier 5 |
$100,000.00 and above |
0.20% |
0.20% |
$100.00 |
e-Advantage
| Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| e-Advantage Personal Savings2 |
$2,500.00 |
1.24% |
1.25% |
$100.00 |
| e-Advantage Business Savings3 |
$2,500.00 |
1.24% |
1.25% |
$100.00 |
| e-Advantage IRA Savings2 |
$2,500.00 |
1.24% |
1.25% |
$100.00 |
Empire Builder Savings
| Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| Empire Builder Savings Tier 1 |
$0.01 to $4,999.99 |
0.05% |
0.05% |
$5,000.00 |
| Empire Builder Savings Tier 2 |
$5,000.00 to $250,000.00 |
0.30% |
0.30% |
$5,000.00 |
| Empire Builder Savings Tier 3 |
Over $250,000.00 |
0.05% |
0.05% |
$5,000.00 |
Business Money Market1
| Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| Business Money Market Tier 1 |
$0.01 to $2,499.99 |
0.05% |
0.05% |
$2,500.00 |
| Business Money Market Tier 2 |
$2,500.00 to $24,999.99 |
0.10% |
0.10% |
$2,500.00 |
| Business Money Market Tier 3 |
$25,000.00 to $49,999.99 |
0.10% |
0.10% |
$2,500.00 |
| Business Money Market Tier 4 |
$50,000.00 to $99,999.99 |
0.10% |
0.10% |
$2,500.00 |
| Business Money Market Tier 5 |
$100,000.00 and above |
0.20% |
0.20% |
$2,500.00 |
| Business Money Market Tier 5** |
$100,000.00 and above |
0.20% |
0.20% |
$2,500.00 |
Personal Money Market
| Account | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| Personal Money Market Tier 1 |
$0.01 to $2,499.99 |
0.05% |
0.05% |
$2,500.00 |
| Personal Money Market Tier 2 |
$2,500.00 to $24,999.99 |
0.10% |
0.10% |
$2,500.00 |
| Personal Money Market Tier 3 |
$25,000.00 to $49,999.99 |
0.10% |
0.10% |
$2,500.00 |
| Personal Money Market Tier 4 |
$50,000.00 to $99,999.99 |
0.10% |
0.10% |
$2,500.00 |
| Personal Money Market Tier 5 |
$100,000.00 and above |
0.20% |
0.20% |
$2,500.00 |
|
Certificates of Deposit
CDs
| Term | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| 3 Month |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 5 Month |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 6 Month |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 7 Month |
$1,000.00 |
0.25% |
0.25% |
$1,000.00 |
| 9 Month |
$1,000.00 |
0.25% |
0.25% |
$1,000.00 |
| 11 Month |
$1,000.00 |
3.73% |
3.80% |
$1,000.00 |
| 12 Month |
$1,000.00 |
1.24% |
1.25% |
$1,000.00 |
| 15 Month |
$1,000.00 |
4.16% |
4.25% |
$1,000.00 |
| 18 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 22 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 24 Month |
$1,000.00 |
3.83% |
3.90% |
$1,000.00 |
| 25 Month |
$1,000.00 |
1.59% |
1.60% |
$1,000.00 |
| 30 Month |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 34 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 36 Month |
$1,000.00 |
1.98% |
2.00% |
$1,000.00 |
| 48 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 60 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 36 Month Access CD*** |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
|
IRA Certificates of Deposit
IRA CD
| Term | Minimum Daily Balance to Earn Interest | Interest Rate | APY* | Minimum Balance to Open |
|---|
| 3 Month |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 5 Month |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 6 Month |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 7 Month |
$1,000.00 |
0.25% |
0.25% |
$1,000.00 |
| 9 Month |
$1,000.00 |
0.25% |
0.25% |
$1,000.00 |
| 11 Month |
$1,000.00 |
3.73% |
3.80% |
$1,000.00 |
| 12 Month |
$1,000.00 |
1.24% |
1.25% |
$1,000.00 |
| 15 Month |
$1,000.00 |
4.16% |
4.25% |
$1,000.00 |
| 18 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 22 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 24 Month |
$1,000.00 |
3.83% |
3.90% |
$1,000.00 |
| 25 Month |
$1,000.00 |
1.59% |
1.60% |
$1,000.00 |
| 30 Month |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 34 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 36 Month |
$1,000.00 |
1.98% |
2.00% |
$1,000.00 |
| 48 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 60 Month |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
| 36 Month Access CD*** |
$1,000.00 |
0.60% |
0.60% |
$1,000.00 |
|
Rates are subject to change without notice.
*APY = Annual Percentage Yield
**Municipal MMA only
*** No penalty will be imposed on the 36 Month Access CD and 36 Month Access IRA CD if withdrawal occurs after 18 months from opening date. Only one withdrawal permitted after the 18 month period.
1 available when linked to Business Checking
2 available when linked to the e-Advantage checking, enrolled in Online Banking and e-Statements
3 available when linked to the e-Advantage Business checking, enrolled in Online Banking and e-Statements
|