Rates
Rates below are current as of February 5, 2012
APY = Annual Percentage Yield
Personal Accounts
| Interest Checking1 | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
|---|
| $0.01 to $49,999.99 *if requirements are met | $0 | $.01 | .51% | .51% |
| $50,000.00 and up *if requirements are met | $0 | $50,000 | .41% | .41% |
| Any balance if requirements are not met | $0 | any balance | .11% | .11% |
| Interest Savings1 | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
|---|
| $0.01 to $49,999.99 *if requirements are met | $0 | $.01 | .41% | .41% |
| $50,000.00 and up *if requirements are met | $0 | $50,000 | .21% | .21% |
| Any balance if requirements are not met | $0 | any balance | .10% | .10% |
| Premier E-Plus*
(No longer offered. Grandfathered accounts only.) |
|---|
| any balance | $0.00 | any balance | 0.10% | 0.10% |
| Premier Gold (55+)* |
|---|
| any balance | $100 | any balance | 0.10% | 0.10% |
| Money Fund* |
|---|
| $2,500.00 to $9,999.99 | $10,000 | $2,500 | 0.21% | 0.21% |
| $10,000.00 to $49,999.99 | $10,000 | $10,000 | 0.51% | 0.51% |
| $50,000.00 and up | $10,000 | $50,000 | 0.51% | 0.51% |
| Super Saver Money Market2 |
|---|
| $0.01 to $24,999.99 | $10,000 | $0 | 0.21% | 0.21% |
| $25,000.00 to $49,999.99 | $10,000 | $25,000 | 0.51% | 0.51% |
| $50,000.00 to $99,999.99 | $10,000 | $50,000 | 0.51% | 0.51% |
| $100,000.00 to $249,999.99 | $10,000 | $100,000 | 0.76% | 0.76% |
| $250,000.00 and up | $10,000 | $250,000 | 0.76% | 0.76% |
| Premier Money Market2 |
|---|
| $1,500.00 to $24,999.99 | $1,500 | $1,500 | 0.21% | 0.21% |
| $25,000.00 to $99,999.99 | $1,500 | $25,000 | 0.51% | 0.51% |
| $100,000.00 to $499,999.99 | $1,500 | $100,000 | 0.76% | 0.76% |
| $500,000.00 and up | $1,500 | $500,000 | 0.76% | 0.76% |
| Minor Savings (under 18)2 |
|---|
| any balance | $25 | any balance | 0.10% | 0.10% |
| Premier Savings2 |
|---|
| any balance | $100 | any balance | 0.10% | 0.10% |
| Health Savings Account ($2.91 Monthly Maintenance Fee)* |
|---|
| $0.01 to $499.99 | $50 | $0 | 0.10% | 0.10% |
| $500.00 to $2,499.99 | $50 | $500 | 0.10% | 0.10% |
| $2,500.00 to $9,999.99 | $50 | $2500 | 0.10% | 0.10% |
| $10,000.00 to $24,999.99 | $50 | $10,000 | 0.10% | 0.10% |
| $25,000.00 and up | $50 | $25,000 | 0.10% | 0.10% |
*
Fees may reduce earnings. Rates and APY may change after the account is opened.
1
Rates and APY may change after the account is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only. Client must have an Interest Checking account to open Interest Savings. Interest earned on Interest Checking and ATM refunds are automatically swept into your Interest Savings account as part of our automatic saving plan. If you do not meet the requirements per cycle, your account will still function as a free saving account earning the standard APY, however, your account will not receive ATM refunds for that time period. Account may be subject to 1099-MISC or 1099-INT IRS reporting. Your Interest Savings account is linked to your Interest Checking account, you only need to meet your Interest Checking account qualifications each cycle to qualify for the Interest Savings.
To receive the preferred interest for Interest Checking and Savings and nationwide ATM fee refunds you must perform the following qualifications each qualification cycle:
- Have at least 10 point of sale Visa® debit card transactions post and clear per qualification cycle.
- Have at least one direct deposit or pre-authorized electronic payment post and clear per qualification cycle.
- Have a valid email address on file that accepts our monthly email notifying you if your account qualified and the availability of your electronic statement.
2
Make up to 6 pre-authorized transfer per qualification cycle or month. Excess transactions will be charged $10.00 each. Excessive transaction will result in modification of account. Fees may reduce earnings. Rates and APY may change after account is open.
Business Accounts
| Business Savings Account* | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
|---|
| $100.01 and up | $100 | $100 | 0.10% | 0.10% |
| Super Saver Money Market4 | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
|---|
| $0.01 to $24,999.99 | $10,000 | $0 | 0.21% | 0.21% |
| $25,000.00 to $49,999.99 | $10,000 | $25,000 | 0.51% | 0.51% |
| $50,000.00 to $99,999.99 | $10,000 | $50,000 | 0.51% | 0.51% |
| $100,000.00 to $249,999.99 | $10,000 | $100,000 | 0.76% | 0.76% |
| $250,000.00 and up | $10,000 | $250,000 | 0.76% | 0.76% |
| Business Money Market4 |
|---|
| $1,500.00 to $24,999.99 | $1,500 | $1,500 | 0.21% | 0.21% |
| $25,000.00 to $99,999.99 | $1,500 | $25,000 | 0.51% | 0.51% |
| $100,000.00 to $499,999.99 | $1,500 | $100,000 | 0.76% | 0.76% |
| $500,000.00 and up | $1,500 | $500,000 | 0.76% | 0.76% |
*Fees may reduce earnings. Rates and APY may change after the account is opened.
4
Make up to 6 pre-authorized transfer per qualification cycle or month. Excess transactions will be charged $10.00 each. Excessive transaction will result in modification of account. Fees may reduce earnings. Rates and APY may change after account is opened.
Non-Profit Accounts
| Premier Non-Profit Plus* | Minimum to Open | Minimum Balance to Obtain APY | Interest Rate | APY |
|---|
| $0.01 to $24,999.99 | $0 | any balance | 0.21% | 0.21% |
| $25,000.00 to $49,999.99 | $0 | $25,000 | 0.51% | 0.51% |
| $50,000.00 to $99,999.99 | $0 | $50,000 | 0.51% | 0.51% |
| $100,000.00 to $249,999.99 | $0 | $100,000 | 0.76% | 0.76% |
| $250,000.00 and up | $0 | $250,000 | 0.76% | 0.76% |
| Money Fund* |
|---|
| $2,500.00 to $9,999.99 | $10,000 | $2,500 | 0.21% | 0.21% |
| $10,000.00 to $49,999.99 | $10,000 | $10,000 | 0.51% | 0.51% |
| $50,000.00 and up | $10,000 | $50,000 | 0.51% | 0.51% |
* Fees may reduce earnings. Rates and APY may change after the account is opened.
Certificates of Deposit (C.D.'s)
| 3 Month CD5 | Minimum to Open and Obtain APY $2,500 |
|---|
| Rate | 0.26% |
| APY | 0.26% |
| 6 Month CD & IRA5 |
|---|
| Rate | 0.46% |
| APY | 0.46% |
| 9 Month CD & IRA5 |
|---|
| Rate | 0.46% |
| APY | 0.46% |
| 12 Month CD & IRA5 |
|---|
| Rate | 0.66% |
| APY | 0.66% |
| 18 Month CD & IRA5 |
|---|
| Rate | 0.76% |
| APY | 0.76% |
| 24 Month CD & IRA5 |
|---|
| Rate | 0.86% |
| APY | 0.86% |
| 36 Month CD & IRA5 |
|---|
| Rate | 0.96% |
| APY | 0.96% |
| 48 Month CD & IRA5 |
|---|
| Rate | 1.05% |
| APY | 1.06% |
5
Annual Percentage Yield (APY) is subject to change or termination without notice. $2,500 minimum to open and to obtain APY. Interest compounds daily and is credited annually, monthly, quarterly, or at maturity (for CD terms less than 12 months.) Penalty for early withdrawal. See account disclosure for terms and conditions.
