Investment Rate Index - Time and Non-Time Accounts

Minimum Balance to open and minimum daily balance that must be maintained in the account to earn the stated APY is $2,500.00.

Compounding Frequency - Interest will be compounded monthly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Crediting Frequency - Interest will be credited to your account monthly. Other crediting options are available to depositors.

Early Withdrawal Penalty - Early withdrawal penalties may be imposed for withdrawal before maturity.

Minimum Balance to open the account is $2,000.00.
Compounding and Crediting Frequency - Interest is compounded and credited to your account quarterly.
Early Withdrawal Penalty - Early withdrawal penalties may be imposed for withdrawal before maturity.
 
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Minimum Balance to open the account is $1,000.00.
Compounding and Crediting Frequency - Interest is compounded and credited to your account quarterly.
Early Withdrawal Penalty - Early withdrawal penalties may be imposed for withdrawal before maturity.
 
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. The interest rates may change after the account is opened.

Minimum Balance to open account-$300.00.
 
Pays on the entire daily balance in the account the stated interest rate and APY that corresponds to the applicable deposit tier. Fees may reduce earnings. The interest rates may change after the account is opened.

Minimum Balance to open account-$1,000.00
 
Pays on the entire daily balance in the account the stated interest rate and APY that corresponds to the applicable deposit tier. Fees may reduce earnings. The interest rates may change after the account is opened.

Minimum Balance to open account-$50.00.
Pays the stated interest rate and APY only on that portion of the daily balance within the specified tier. The interest rates may change after the account is opened.

To earn higher than 0.05% APY* and receive up to $35 in ATM fee refunds* perform the following each monthly qualification cycle**:
    1. Make at least 12 Debit Card purchase transactions.
(must post and clear during the monthly qualification cycle)
    2. Receive a monthly electronic statement in lieu of a paper statement
    3. Have at least one Direct Deposit or ACH Auto Debit
(must post and clear during the monthly qualification cycle)
*0.50% Annual Percentage Yield (APY) paid on daily balances between one penny and $24,999.99 each monthly qualification cycle the three minimum requirements are met. Daily balances between $25,000.00 and $50,000.00 will earn an APY ranging from 0.50% to 0.33% depending on the daily balance in the account. (The APY of 0.33% corresponds to an assumed daily balance of $50,000.00; the APY of 0.50% corresponds to an assumed daily balance of $25,000.00) If you do not meet the three requirements per cycle as stated above, your account will still function as a free checking account earning 0.05% APY; however, it will not receive ATM fee refunds for that time period. If all account requirements are met during the qualification cycle, ATM fees of $4.99 or less will be automatically reimbursed up to a maximum of $4.99 per individual transaction, while those of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. In no circumstance, however, will the maximum reimbursement exceed $35.00 per qualification cycle. APYs accurate as of 1/18/2020. The interest rates may change after the account is opened. 
**The monthly qualification cycle is generally the statement cycle, but the specific cut-off date for transactions to qualify varies from month to month; customers are advised of the actual date ahead of time via a monthly email.

Minimum Balance to open account-$50.00.
 
Pays on the entire daily balance in the account the stated interest rate and APY that corresponds to the applicable deposit tier. Fees May Reduce Earnings. The interest rates may change after the account is opened.