Deposit Rates

Effective as of
(Subject to change without notice)

Checking and Savings Accounts **

AccountMinimum to OpenInterest RateAPY
Regular Savings & Club Accounts$10.000.10%0.10%
Completely Free CheckingNA0.00%0.00%
50+ Free Interest Checking$50.000.05%0.05%
VIP Free Interest Checking$50.000.05%0.05%
Wall Street Checking$50.00-$1,499.990.10%0.10%
$1,500.00 & over0.15%0.15%
Business Completely Free CheckingNA0.00%0.00%
Business Interest Checking$50.000.10%0.10%
Minimum to earn APY is $10.00   

Money Market Account **

BalanceMinimum to OpenInterest RateAPY
$0-999$1,000.000.10%0.10%
$1,000 to $49,999.00$1,000.000.15%0.15%
$50,000 and higher$1,000.000.20%0.20%

Certificates of Deposit *

PeriodMinimum to OpenInterest RateAPY
7 to 59 Days$1,000.000.15%0.15%
60 to 91 Days$1,000.000.25%0.25%
6 Months$1,000.000.50%0.50%
1 Year *$1,000.001.05%1.05%
18 Months (Preferred) *$1,000.001.98%2.00%
18 Months (Fixed) *$500.001.98%2.00%
24 Months *$500.001.34%1.35%
30 Months *$500.000.94%0.95%
36 Months *$500.001.00%1.01%
48 Months *$500.001.24%1.25%
60 Months *$500.001.69%1.70%
  • * Certificates of deposit with a maturity of 12 months or longer are also available for IRAs.
  • ** Fees may reduce earnings.
  • Preferred CDs allow a one time change in rate during term of CD.
  • APY is defined as the Annual Percentage Yield. Interest on deposit accounts will be compounded and credited to your account monthly. Monthly interest checks are available on CDs. Penalty may be imposed for early withdrawal of funds from a CD.