Deposit Rates
Rates effective: July 1, 2010.
Savings Accounts
Health Savings Account (HSA)
Checking Accounts
Money Market Demand Account (MMDA)
| Account |
Min to Open |
Min to earn APY |
Interest Rate |
APY |
| Money Market Demand Account (MMDA) |
$5,000.00 |
$100,000.00 |
1.15% |
1.16% |
|
$5,000.00 |
$75,000.00 |
0.95% |
0.95% |
|
$5,000.00 |
$50,000.00 |
0.75% |
0.75% |
|
$5,000.00 |
$25,000.00 |
0.50% |
0.50% |
|
$5,000.00 |
$10,000.00 |
0.35% |
0.35% |
|
$5,000.00 |
$5,000.00 |
0.15% |
0.15% |
Individual Retirement Accounts
18-month certificate of deposit with a variable rate effective on the first day of each calendar quarter equal to the 26-week U.S. Government Security Treasury Bill Discount Auction Rate plus or minus a margin established from time to time by the Bank. Early withdrawal penalties may apply, as described below.
Certificates of Deposit (CDs)
Early withdrawal penalties may apply† as described below.
(Review the full fee schedule)
| Account |
Min to Open |
Min to earn APY |
Interest Rate |
APY |
| 3 Year FLEX CD |
$2,500.00 |
$2,500.00 |
1.70% |
1.71% |
| 91-Day CD |
$5,000.00 |
$5,000.00 |
0.50% |
0.50% |
| 6-Month CD |
$1,000.00 |
$1,000.00 |
0.80% |
0.80% |
|
$1,000.00 |
$10,000.00 |
0.85% |
0.85% |
|
$1,000.00 |
$50,000.00 |
0.90% |
0.90% |
| 1-Year CD |
$1,000.00 |
$1,000.00 |
1.20% |
1.21% |
|
$1,000.00 |
$10,000.00 |
1.25% |
1.26% |
|
$1,000.00 |
$50,000.00 |
1.30% |
1.31% |
| 18-Month CD |
$1,000.00 |
$1,000.00 |
1.30% |
1.31% |
|
$1,000.00 |
$10,000.00 |
1.35% |
1.36% |
|
$1,000.00 |
$50,000.00 |
1.40% |
1.41% |
| 2-Year CD |
$1,000.00 |
$1,000.00 |
1.45% |
1.46% |
|
$1,000.00 |
$10,000.00 |
1.50% |
1.51% |
|
$1,000.00 |
$50,000.00 |
1.55% |
1.56% |
| 3-Year CD |
$1,000.00 |
$1,000.00 |
1.70% |
1.71% |
|
$1,000.00 |
$10,000.00 |
1.75% |
1.76% |
|
$1,000.00 |
$50,000.00 |
1.80% |
1.81% |
| 4-Year CD |
$1,000.00 |
$1,000.00 |
2.20% |
2.22% |
|
$1,000.00 |
$10,000.00 |
2.25% |
2.27% |
|
$1,000.00 |
$50,000.00 |
2.30% |
2.32% |
| 5-Year CD |
$1,000.00 |
$1,000.00 |
2.70% |
2.73% |
|
$1,000.00 |
$10,000.00 |
2.75% |
2.78% |
|
$1,000.00 |
$50,000.00 |
2.80% |
2.84% |
†Penalties for early withdrawal will be an amount equal to the greater of:
- the current Institution rate minus the certificate rate times the remaining number of days to maturity times the amount withdrawn, or
- a number of days interest on the amount withdrawn, as applicable (all interest earned on accounts with an original maturity of 91 days or less; 90 days interest on accounts with an original maturity from 92 days through one year; or 182 days interest on accounts with an original maturity of more than one year).
"APY" stands for "Annual Percentage Yield"