Savings Account Rates
Membership Savings Account – Minimum Investment $5
Rates Effective:
1/1/2018
| Account Balance | Dividend Rate | APY* |
|---|
| $0.00 – unlimited | 0.10% | 0.10% |
Checking Account Rates
myChoice Checking Account – $25 Opening Deposit Required
| Account Balance | Dividend Rate | APY* |
|---|
| $0.00 - $3,000 | 2.96% | 3.00% |
| $3001.00 - unlimited | 0.05% | 0.05% |
myWallet Checking Account – No Opening Deposit Required
| Checking Account Type | Dividend Rate | APY* |
|---|
| myWallet Checking | 0.00% | 0.00% |
Money Market Account Rates
Money Market Max Account** – Minimum Investment $500
| Account Balance | Tier Dividend Rate | APY* |
|---|
| $0.00 – $9,999.99 | 0.05% | 0.05% |
| $10,000.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 – $99,999.99 | 0.10% | 0.10% |
| $100,000.00 – unlimited | 0.15% | 0.15% |
Health Savings Account** – Minimum Investment $100
| Account Balance | Tier Dividend Rate | APY* |
|---|
| $0.00 – $9,999.99 | 0.05% | 0.05% |
| $10,000.00 – unlimited | 0.05% | 0.05% |
IRA Rates
IRA Investment Account – Minimum Investment $100
| Account Type | Dividend Rate | APY* |
|---|
| Traditional Share Accounts | 0.10% | 0.10% |
| Roth/Education Share Accounts | 0.10% | 0.10% |
IRA Certificates – Minimum Investment $1,000
| Certificate Terms | Dividend Rate | APY* |
|---|
| 12 Month Roth/Traditional/Educational | 0.20% | 0.20% |
| 24 Month Roth/Traditional/Educational | 0.40% | 0.40% |
| 36 Month Roth/Traditional/Educational | 0.60% | 0.60% |
| 46 Month Roth/Traditional/Educational (Promotional offer for new accounts only – maximum deposit $250,000) | 1.00% | 1.00% |
| 48 Month Roth/Traditional/Educational | 0.70% | 0.70% |
| 60 Month Roth/Traditional/Educational | 0.90% | 0.90% |
Certificate Account Rates
Certificate Accounts – Minimum Investment $1,000
| Certificate Terms | Dividend Rate | APY* |
|---|
| 3 Month Certificate | 0.10% | 0.10% |
| 6 Month Certificate | 0.10% | 0.10% |
| 12 Month Certificate | 0.20% | 0.20% |
| 18 Month Certificate | 0.30% | 0.30% |
| 24 Month Certificate | 0.40% | 0.40% |
| 30 Month Certificate | 0.50% | 0.50% |
| 36 Month Certificate | 0.60% | 0.60% |
| 46 Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000) | 1.00% | 1.00% |
| 48 Month Certificate | 0.70% | 0.70% |
| 60 Month Certificate | 0.90% | 0.90% |
| 84 Month Certificate | 1.25% | 1.26% |
Health Savings Account (HSA) Certificates – Minimum Investment $500
| Certificate Terms | Dividend Rate | APY* |
|---|
| HSA 6 Month Certificate | 0.10% | 0.10% |
Special Certificates for Diamond and Platinum Rewards Members
Special Certificate Accounts – Minimum Investment $25,000
| Certificate Terms | Dividend Rate | APY* |
|---|
| 6 Month Certificate | 0.20% | 0.20% |
| 12 Month Certificate | 0.30% | 0.30% |
| 24 Month Certificate | 0.50% | 0.50% |
| 36 Month Certificate | 0.70% | 0.70% |
| 46 Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000) | 1.00% | 1.00% |
| 48 Month Certificate | 0.80% | 0.80% |
| 60 Month Certificate | 1.00% | 1.01% |
Business Account Rates
Business Savings Account
| Account Balance | Dividend Rate | APY* |
|---|
| $0.00 – unlimited | 0.10% | 0.10% |
Business Checking Account – Opening Deposit $50
| Checking Account Type | Dividend Rate | APY* |
|---|
| Business Checking | 0.00% | 0.00% |
Business Money Market Account**
| Account Balance | Tier Dividend Rate | APY* |
|---|
| $0.00 – $9,999.99 | 0.05% | 0.05% |
| $10,000.00 - unlimited | 0.10% | 0.10% |
Lawyer Trust IOTA/IOLTA
| Account Type | Rate | APY* |
|---|
| Lawyer Trust IOTA/IOLTA | 0.10% | 0.10% |
Effective date:
*APY=Annual Percentage Yield
**Tiered Accounts: Money Market Max and Business Money Market pay the rate on the total balance in the account. HSA Money Market accounts are true tiered accounts. The dividend rate is paid based on the appropriate dollars in that level.
Early withdraw penalties may apply to certificates and IRA certificates accounts.