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Interest Rates

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CERTIFICATES OF DEPOSIT (CD)
GUARANTEED RETURNS
5 Month CD
Limited Time Offer
ANNUAL PERCENTAGE YIELD
INTEREST RATE
$1,000 minimum deposit required
Good for IRA Rollovers.
Subject to early withdrawal penalties
11 Month CD
Limited Time Offer
ANNUAL PERCENTAGE YIELD
INTEREST RATE
$1,000 minimum deposit required
Good for IRA Rollovers.
Subject to early withdrawal penalties
30 Month CD
Limited Time Offer
ANNUAL PERCENTAGE YIELD
INTEREST RATE
$1,000 minimum deposit required
Good for IRA Rollovers.
Subject to early withdrawal penalties

SPECIAL CERTIFICATES OF DEPOSIT ACCOUNTS

The following Interest Rate comparisons show the Annual Percentage Yield followed by the Interest Rate for the term and balance of the deposit.
Balance/Term
  •  
  •  
    		•  7 Month
  • No early withdrawal penalty after first 7 days.
  • Cannot exceed $100,000 principal.
    		•  9 Month
  • No early withdrawal penalty after first 7 days.
  •  
    		•  18 Month (One-Step CD)
  • One Time Interest Rate "Bump-Up" Feature.
  •  
    		•  10 Year
  • $1,000 minimum opening deposit.
  • Early withdrawal penalty of 365 days.
    		•
    $1,000 - 4,999 N/A N/A
    $5,000 - 9,999
    $10,000 - 49,999
    $50,000 - 99,999
    $100,000 & over

    CUSTOM CERTIFICATE OF DEPOSIT ACCOUNTS

    The following Interest Rate comparisons show the Annual Percentage Yield followed by the Interest Rate for the term and balance of the deposit.

    Balance/Term 07 - 30 Days 31-89 Days 90 - 179 Days 180 - 364 Days
    $1,000 - 9,999
    $10,000 - 49,999
    $50,000 - 99,999
    $100,000 & over
    Balance/Term 12 - 23 Months 24 - 35 Months 36 - 59 Months 60 Months
    $1,000 - 9,999
    $10,000 - 49,999
    $50,000 - 99,999
    $100,000 & over
    PERSONAL MONEY MARKET PLUS
    Balance APY* Interest Rate
    up to $9,999
    $10,000- 24,999
    $25,000- 49,999
    $50,000- 99,999
    $100,000- 249,999
    $250,000 and over
     
    BUSINESS MONEY MARKET PLUS
    Balance APY* Interest Rate
    up to $49,999
    $50,000-99,999
    $100,000-499,999
    $500,000-999,999
    $1,000,000-2,999,999
    $3,000,000 & over
    PLATINUM MARKET RATE ACCOUNT
  • $50,000.00 minimum opening deposit
  • Other conditions apply
    		•
    Balance APY* Interest Rate
    up to $49,999
    $50,000- 99,999
    $100,000- 249,999
    $250,000- 499,999
    $500,000- 999,999
    $1,000,000 and over
    BUSINESS MARKET RATE ACCOUNT
  • $100,000.00 minimum opening deposit
  • Other conditions apply
    		•
    Balance APY* Interest Rate
    up to $99,999
    $100,000-499,999
    $500,000-999,999
    $1,000,000-2,999,999
    $3,000,000-4,999,999
    $5,000,000 & over
    INTEREST/RELATIONSHIP CHECKING
    APY* Interest Rate
    		 
    (This rate also applies to Legal Services Trust Funds)
    *Annual Percentage Yield
     
     
     
    REPURCHASE SWEEP ACCOUNT
    Balance APY* Interest Rate
    up to $99,999.99
    $100,000-999,999.99
    $1,000,000-2,999,999.99
    $3,000,000-4,999,999.99
    $5,000,000-9,999,999.99
    $10,000,000 & Over
    PERSONAL SAVINGS AND PASSBOOK SAVINGS
    Balance APY* Interest Rate
    up to $999
    $1,000- 9,999
    $10,000- 99,999
    $100,000 & over
    SAVINGS CLUB ACCOUNTS
      APY* Interest Rate
     
     
     
    Information Applicable to Certificates of Deposit, Time Deposit Open Accounts, Interest Checking, Money Market and Savings Accounts:
    We use the daily balance method to calculate the interest on all of these deposits. This method applies a daily periodic rate to the compounded balance in your account each day. Interest is compounded daily and will be credited to your account at the time indicated in the Deposit Agreement & disclosure applicable to your account. For Certificates of Deposit, the method of crediting your interest is described in the receipt for time deposit. The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. Fees imposed when minimum balance or average daily balance requirements are not met will reduce earnings. Except for Fixed Rate Certificates of Deposit, at our discretion, we may change the interest rate on your account from time to time. Fixed Rate Certificates of deposit will automatically renew at maturity unless the Bank notifies you to the contrary shortly before the maturity. Except for CDs with a maturity of less than 30 days, you have a 10-calendar day grace period after maturity during which a withdrawal can be made without penalty; for accounts less than 30 days withdrawals must be made on the maturity date.
    Penalty for Early Withdrawal:
    Fixed Rate Certificates: We impose a penalty if you withdraw any of the principal before maturity. (Partial withdrawals are not permitted.) The penalty for 07-89 day accounts equals the amount of interest earned (whether paid or not) but not less than seven days interest on a full amount of the principal. The penalty for 90 - 364 day accounts equals 90 days simple interest (whether earned or not) on the full amount of the principal. The penalty for 12 month - 35 month accounts equals 180 days simple interest (whether earned or not) on the full amount of the principal. The penalty for 36 month and longer accounts equals 365 days simple interest (whether earned or not) on the full amount of the principal.

    Member FDIC