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Rate and Account Disclosure

 

Checking Account Rates

The following interest rates and “annual percentage yields” (APY) are subject to change at any time.

Checking Account TypesMinimum Balance to Open and to Earn APY

Interest Rate

Annual Percentage
Yield
Personal NOW Account*
Balance less than $1,000.00

**

0.00%

0.00%

Regular NOW -
(Balance $1,000 to $2,500)
$1,000.00 0.01% 0.01%
Super NOW - 
(Balance over $2,500)
$2,500.00 0.02% 0.02%

Personal Convenience NOW Account

$ 50.00

0.00%

0.00%

* All NOW accounts automatically become interest earning accounts when they have a daily balance of at least $1,000. The account will earn interest at the Regular NOW rate or the Super NOW rate, depending on the daily balance.

** A $1.00 Minimum balance is required for customers who maintain $1,000 on deposit in a related Regular Savings or Money Market account which have the identical mailing address and reporting tax identification number. Otherwise, $400.00 is required to open and maintain the account.

NOW accounts are variable rate accounts. Rates are subject to change once the account is opened. Fees may reduce earnings.


Savings Rates

The following interest rates and “annual percentage yields” (APY) are subject to change at any time.

Savings Account TypesMinimum Balance to Open and to Earn APY

Interest Rate

Annual Percentage
Yield
Regular Savings

$100.00

0.02%

0.02%

Juniors Savers Statement Savings Account $10.00 0.02% 0.02%

Christmas Club Savings Account

$10.00

0.02%

0.02%

Regular Savings accounts are variable rate accounts. Rates are subject to change once the account is opened. Fees may reduce earnings.


CD Rates

The following interest rates and “annual percentage yields” (APY) are subject to change at any time.

Certificates of Deposit Account TypesMinimum Balance to Open and to Earn APY

Interest Rate

Annual Percentage
Yield
182 Day Certificate

$2,500.00

0.10%

0.10%

9 Month Special Certificate $2,500.00 0.25% 0.25%
1 Year Certificate $10,000.00 0.20% 0.20%

1 ½ Year Certificate

$500.00

0.20%

0.20%

2 ½ Year Certificate

$500.00

0.20%

0.20%

3 ½ Certificate $500.00 0.25% 0.25%
5 Year Certificate $500.00 0.65% 0.65%

Five in One CertificateMinimum Balance to Open and to Earn APY

Interest Rate

Annual Percentage
Yield

First Year

$2,500.00

0.25%

0.25%

Optional Renewal - 2nd Year

$2,500.00

0.45%

0.45%

Optional Renewal - 3rd Year

$2,500.00

0.65%

0.65%

Optional Renewal - 4th Year

$2,500.00

0.85%

0.85%

Optional Renewal - 5th Year

$2,500.00

1.30%

1.30%


Money Market Rates

The following interest rates and “annual percentage yields” (APY) are subject to change at any time.

Money Market TiersMinimum Balance to Open and to Earn APY

Interest Rate

Annual Percentage
Yield

Tier 1
(Balance up to $2,500)

$500.00

0.02%

0.02%

Tier 2
(Balance $2,500 to $25,000)

$2,500.00

0.05%

0.02% to 0.05%

Tier 3
(Balance $25,000 to $100,000)

$25,000.00

0.10%

0.05% to 0.09%

Money Market accounts are variable rate accounts. Rates are subject to change once the account is opened. Fees may reduce earnings.


IRA Rates

The following interest rates and “annual percentage yields” (APY) are subject to change at any time.

IRA Account TypesMinimum Balance to Open and to Earn APY

Interest Rate

Annual Percentage
Yield
IRA Certificate - 2 Year Term
Contributing
$500.00 0.45% 0.45%
Transfer / Rollover $500.00 0.45% 0.45%

Get Started

For more information about our accounts please contact one of our Savings counselors during regular business hours at (773) 685-5300. For current rates please call us or refer to the Deposit Rates page within our website.

 

 

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