Deposit Rates

Personal
Accounts
Annual
Percentage Yield
True Advantage Checking Plus
Tier 1: $50,000 and over 0.08%
Tier 2: $25,000 - $49,999 0.06%
Tier 3: $10,000 - $24,999 0.04%
Tier 4: $2,500 - $9,999 0.02%
Tier 5: < $2,500 0.02%
True Advantage Savings*  
Requires True Advantage Checking or Checking Plus Account 
Tier 1: $50,000 and over 0.10%
Tier 2: $25,000 - $49,999 0.08%
Tier 3: $10,000 - $24,999 0.06%
Tier 4: $2,500 - $9,999 0.04%
Tier 5: < $2,500 0.02%  
Health Savings Account*
Tier 1: $2,500 and over 0.25%
Tier 2: < $2,500 0.15%
Welcome Savings*
Maintain $250 balance to avoid monthly fee of $5
Tier 1: $2,500 and over 0.05%
Tier 2: < $2,500 0.02%
Starter Savings*
Available to customers age 17 or younger
Tier 1: $2,500 and over 0.05%
Tier 2: < $2,500 0.02%


Rates in effect as of 1/13/14. Please note these rates are subject to change at any time. Rates may change after the account is opened. Interest is compounded daily. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.
 

*Banking regulations governing savings and money market accounts specify that transfers into another account or to a third party by check, preauthorized automatic or telephone requests are limited to six per monthly cycle. In person transactions at a branch or ATM are unlimited.  

** There are penalties for early withdrawal from a CD or IRA.

Certificates of Deposit
and IRAs
Annual
Percentage Yield (APY)
True Advantage** ($1,000 minimum to open and to earn APY)
Requires True Advantage Checking or Checking Plus Account 
6 - 8 months 0.35%
9 - 11 months 0.40%
12 - 14 months 0.50%
15 - 18 months 0.55%
19 - 23 months 0.60%
24 - 35 months 0.65%
36 - 47 months 0.85%
48 - 59 months 1.00%
60 months and over 1.25%
Variable Rate IRA- TA 0.55%
7-31 Day CD/IRA** $100,000 Min to open
7 - 31 Days (Maturity) Negotiated
1 - 60 Months** ($1,000 minimum to open and earn APY)
1 - 2 months (Maturity) 0.10%
3 - 5 months (Maturity) 0.10%
6 - 8 months 0.10%
9 - 11 months

0.15%

12 - 14 months 0.25%
15 - 18 months 0.30%
19 - 23 months 0.35%
24 - 35 months 0.40%
36 - 47 months 0.60%
48 - 59 months 0.75%
60 and over months 1.00%
Variable Rate IRA- no min 0.30%
Business
Accounts
Annual
Percentage
 Yield
Business NOW
Single Tier 0.05%
Business Advantage Money Market*
$250,000 and over 0.12%
$100,000 - $249,999 0.08%
$50,000 - $99,999 0.06%
$2,500 - $49,999.00 0.05%
< $2,500 0.02%
Business Money Market*
$2,500 and over 0.05%
< $2,500 0.02
Business Savings*
$2,500 and over 0.05%
< $2,500

0.02%