Deposit Rates

Account TypeMinimum Daily Balance
to Earn Interest
Interest Rate    APY*Min. Balance to Open
Free Personal Checking 0.00% 0.00%$25.00
Free Business Checking 0.00% 0.00%$100.00
"VIP" Interest Checking$100.00
$0.01 to $4,999.990.25%0.25%
$5,000.00 to $19,999.990.30%0.30%
$20,000.00 and above0.40%0.40%
Statement Savings$100.00
     Tier 1$0.01 to $2,499.990.15%0.15%
     Tier 2$2,500.00 to $24,999.990.15%0.15%
     Tier 3$25,000.00 to $49,999.990.20%0.20%
     Tier 4$50,000.00 to $99,999.990.20%0.20%
     Tier 5$100,000.00 and above0.30%0.30%
Non-Profit Checking$100.00
     Tier 1$0.01 to $2,499.990.10%0.10%
     Tier 2$2,500.00 to $24,999.990.20%0.20%
     Tier 3$25,000.00 to $49,999.990.35%0.35%
     Tier 4$50,000.00 to $99,999.990.35%0.35%
     Tier 5$100,000.00 and above0.45%0.45%
Business Money Market (when linked to business checking)$2500.00
     Tier 1$0.01 to $2,499.990.10%0.10%
     Tier 2$2,500.00 to $24,999.990.20%0.20%
     Tier 3$25,000.00 to $49,999.990.35%0.35%
     Tier 4$50,000.00 to $99,999.990.35%0.35%
     Tier 5$100,000.00 and above0.45%0.45%
     Tier 5**$100,000.00 and above0.45%0.45%
Personal Money Market$2500.00
     Tier 1$0.01 to $2,499.990.10%0.10%
     Tier 2$2,500.00 to $24,999.990.20%0.20%
     Tier 3$25,000.00 to $49,999.990.35%0.35%
     Tier 4$50,000.00 to $99,999.990.35%0.35%
     Tier 5$100,000.00 and above0.45%0.45%
Certificates of Deposit$1000.00
     3 mos$1000.000.30%0.30%
     5 Month$1000.000.35%0.35%
     6 mos$1000.000.30%0.30%
     12 mos$1000.000.40%0.40%
     24 mos$1000.000.65%0.65%
     30 mos$1000.000.65%0.65%
     36 mos$1000.000.95%0.96%
     48 mos$1000.001.09%1.10%
     60 mos$1000.001.29%1.30%
36 Month Access CD***$1000.000.60%0.60%$1000.00
IRA Certificates of Deposit$1000.00
     3 mos$1000.000.30%0.30%
     5 Month$1000.000.35%0.35%
     6 mos$1000.000.30%0.30%
     12 mos$1000.000.40%0.40%
     24 mos$1000.000.65%0.65%
     30 mos$1000.000.65%0.65%
     36 mos$1000.000.95%0.96%
     48 mos$1000.001.09%1.10%
     60 mos$1000.001.29%1.29%
36 Month Access IRA CD***$1000.000.60%0.60%

Rates are subject to change without notice. 

*APY = Annual Percentage Yield
**Municipal MMA only
*** No penalty will be imposed on the 36 Month Access CD and 36 Month Access IRA CD if withdrawal occurs after 18 months from opening date.  Only one withdrawal permitted after the 18 month period.