Deposit Account Rates

Rates effective February 08, 2017

CERTIFICATE SPECIALS Interest Rate APY*
13 Month Special 1.00% 1.00%
23 Month Special 1.24% 1.25%
39 Month Bump Up 1.24% 1.25%
$100 minimum to open. Regular and Retirement. Option for one-time customer-initiated bump up if rates rise during the term of the certificate.Less than minimum balance earns no interest.  Early withdrawal penalty may be imposed on certificates.
ALL-IN-ONE CHECKING Interest Rate APY*
Over $25,000 (if requirements are met) .20% .20%
$0 – $25,000 (additional rewards rate, if requirements are met) .95% .95%
$0 and up .05% .05%
$100 minimum to open.  Variable rate account.  The rate may change after the account is opened.  Personal accounts only.
PRIME SAVER Interest Rate APY*
$60,000 and over .20% .20%
$10,000 – $59,999 .10% .10%
$100 – $9,999 .05% .05%
$2,500 minimum to open.  Below $100 earns no interest.  The rate may change after the account is opened.  Presidential Checking Account is required.
MONEY MARKET Interest Rate APY*
$60,000 and over .20% .20%
$2,500 – $59,999 .10% .10%
$2,500 minimum to open.  Less than minimum earns NOW rate.  Less than $100 earns no interest.  The rate may change after the account is opened.  Presidential Checking Account is required.
FIXED RATE CERTIFICATES Interest Rate APY*
3 Months .20% .20%
6 Months .35% .35%
12 – 17 Month .70% .70%
18 – 36 Month .75% .75%
37 – 47 Month .95% .95%
48 – 60 Month .95% .95%
$1,000 minimum to open 3 or 6 month certificate. $100 minimum to open 12 – 60 month certificate. Less than minimum balance earns no interest.  Early withdrawal penalty may be imposed on certificates. 3 and 6 month term are not available as retirement certificates.
VARIABLE RATE CERTIFICATES 9 Month Smart Saver IRA – 7 Month
9 mo. regular or retirement, 7 mo. retirement only Interest Rate APY* Interest Rate APY*
$60,000 and over .54% .54% .90% .90%
Minimum – $59,999 .53% .53% .90% .90%
$100 minimum to open. Less than minimum balance earns no interest.  Variable rate account.  The rate may change after the account is opened.  Maturity:  7 or 9 months from initial or last deposit.  Early withdrawal penalty may be imposed on certificates.
SAVINGS ACCOUNTS, including iSave for Kids and Club Accounts Interest Rate APY*
$60,000 and over .20% .20%
$30,000 – $59,999 .10% .10%
Minimum – $29,999 .05% .05%
$10 minimum to open.  Less than minimum earns no interest.  Variable rate account.  The rate may change after the account is opened.
Interest Rate APY*
NOW ACCOUNTS .03% .03%
$100 minimum to open.  Less than minimum earns no interest.  Variable rate account.  The rate may change after the account is opened.
COMMERCIAL MONEY MARKET Interest Rate APY*
$1,000,000 and over .30% .30%
$500,000 – $999,999 .20% .20%
$2,500 – $499,999 .10% .10%
$2,500 minimum to open.  Less than minimum earns no interest.  Variable rate account.  The rate may change after the account is opened.

*APY = Annual Percentage Yield

All rates subject to change.

Transfers from a Money Market or Savings Account to another account or to third parties by pre-authorized, automatic, telephone or computer transfer, debit card or similar order to third parties are limited to six per month.