Current Rates

Interest Rates and Annual Percentage Yield Current as of July 1st, 2017 

DescriptionMinimum
Deposit
Interest
Rate
Annual
Percentage
Yield
Interest Checking $1,000.00
.01 - 999.990.025%0.025%
1,000.00 - 9,999.990.05%0.05%
10,000.00 - 49,999.990.05%0.05%
50,000.00 and Greater0.05%0.05%
Regatta Checking $5,000.00
.01 - 4,999.990.025%0.025%
5,000.00 and Greater0.35%0.35%
Senior CheckingNone
.01 - 999.990.025%0.025%
1,000.00 - 9,999.990.05%0.05%
10,000.00 - 49,999.990.10%0.10%
50,000.00 and Greater0.25%0.25%
Admiral Business Checking $5,000.00
.01 - 4,999.990.025%0.025%
5,000.00 - 99,999.990.05%0.05%
100,000.00 - 749,999.990.25%0.25%
750,000.00 and Greater0.45%0.45%
Non-Profit Business Checking$500.00
.01 - 4,999.990.15%0.15%
5,000.00 - 99,999.990.15%0.15%
100,000.00 and Greater0.25%0.25%
Money Market Account $1,000.00
.01 - 999.990.05%0.05%
1,000.00 - 9,999.990.10%0.10%
10,000.00 - 49,999.990.20%0.20%
50,000.00 - 99,9999.990.25%0.25%
100,000.00 - 499,999.990.45%0.45%
500,000.00 - 999,999.990.45%0.45%
1,000,000 and Greater0.45%0.45%
HSA Account$100.00
1.00 and Greater0.05%0.05%
Savings Account$50.00
.01 - 49.990.05%0.05%
50.00 and Greater0.10%0.10%
Certificates of Deposit$500.00
3 Month0.15%0.15%
6 Month0.35%0.35%
12 Month0.65%0.65%
18 Month0.70%0.70%
24 Month0.80%0.80%
**36 Month**$10,000.001.85%1.85%
48 Month1.50%1.50%
60 Month2.00%2.00%
IRA Certificates of Deposit$500.00
3 Month0.15%0.15%
6 Month0.35%0.35%
12 Month0.65%0.65%
18 Month0.70%0.70%
24 Month0.80%0.80%
**36 Month**$10,000.001.85%1.85%
48 Month1.50%1.50%
60 Month2.00%2.00%
Rate may change on Interest, Money Market, Savings and HSA accounts after account opening. A penalty may be imposed for early withdrawal. Contact a bank associate for more information. Fees could reduce the earnings on the account.  CERTIFICATE OF DEPOSIT DISCLOSURE: Automatically renewable Certificates of Deposit with terms of 3 months to 5 years. Rate and Annual Percentage Yield Information: Certificates of Deposit are interest-bearing accounts. The current interest rate and annual percentage yield are included on this rate sheet. The interest rate and annual percentage yield will not change for term of your Certificate of Deposit. Interest begins to accrue on the business day you deposit noncash items (for example, checks). The annual percentage yield assumes interest compounds annually and will remain on deposit until maturity. A withdrawal from this account will reduce earnings on the account. You may not make additional deposits to your Certificate of Deposit until maturity. A penalty may be imposed for withdrawals before maturity.  Some exceptions may apply.  Interest Compounding Frequency and Crediting Information: 3 Month to 12 Month Certificates: Interest is credited to account at maturity. Certificates of Deposit with maturities of greater than one year: Interest is compounded and credited to account annually. Balance Information: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Opening Balance Requirement: You must deposit $500.00 to open a Certificate of Deposit or IRA Certificate of Deposit. **You must deposit $10,000 to open a 36 month Certificate of Deposit.  Minimum Balance Requirement: The minimum balance to obtain the stated APY is the same as the opening balance requirement. Early Withdrawal Penalties: Certificates of Deposit with maturities less than one year:  If you withdraw any of the principal balance before the maturity date, we may impose a penalty of 91 days interest on the principal amount withdrawn. You will have 10 calendar days after the maturity date to withdraw funds without a penalty. Certificates of Deposit with maturities of one year to 5 years: If you withdraw any of the principal balance before the maturity date, we may impose a penalty of 182 days interest on the principal amount withdrawn. You will have 10 calendar days after the maturity date to withdraw funds without a penalty. If you close your Certificate of Deposit before interest is credited to your account, you will receive the accrued interest. Some exceptions may apply.   **Renewal: The 36 month Certificate of Deposit will automatically renew at the 36 month CD term.  The renewal rate will be the same as the rate we are then offering on new 36 month CD accounts that have the same term and other features as this account has upon renewal.  CHECKING AND SAVINGS ACCOUNT INFORMATION: Interest rates and annual percentage yield may change after opening. Transfers from a money market account or savings account to another account or to third parties by pre-authorized, automatic, internet banking, check, debit card, draft, telephone transfer, or similar order are limited by Federal regulations to six per month. At our discretion, we may change the interest rate on accounts. We may change the rate at any time. Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items (for example, checks). Fees could reduce the earnings on the accounts. For current rate information, please contact a banker.

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