Deposit Rates

Deposit Accounts

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Deposit Accounts
Type of Account Minimum Balance Rate APY
Choice Checking $0 N/A N/A
Investors Checking Silver1 $500 .25% .25%
Investors Checking Gold2 $2,500 .50% .50%
Prime Share $25 .05% .05%
You-Name-It-Savings $25 .05% .05%

Money Market Savings

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Money Market Savings
Daily Balance Rate APY
$2,000 - $9,999 .05% .05%
$10,000 - $24,999 .05% .05%
$25,000 - $49,999 .10% .10%
$50,000 - $100,000 .15% .15%
$100,000 and over .15% .15%

Shared Certificates4

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High Yield Money Market
Term Daily Balance Rate APY
6 Months
$500.00 - $9,999.99
$10,000 - $49,999.99
$50,000.00 and over 
.20%
.30%
.40%
.20%
.30%
.40%
12 Months
$500.00 - $9,999.99
$10,000 - $49,999.99
$50,000.00 and over
.30%
.40%
.50%
.30%
.40%
.50%
24 Months
$500.00 - $9,999.99
$10,000 - $49,999.99
$50,000.00 and over
.40%
.50%
.60%
..40%
.50%
.60%
36 Months
$500.00 - $9,999.99
$10,000 - $49,999.99
$50,000.00 and over
.50%
.60%
.70%
.50%
.60%
.70%
60 Months
$500.00 - $9,999.99
$10,000 - $49,999.99
$50,000.00 and over
.75%
.85%
.95%
.75%
.85%
.95%
Build It! CD (12 month term only)3 .35% .35%
.35%

Individual Retirement Account (IRA)

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Individual Retirement Account (IRA)
Daily Balance Rate APY
$10 or more .10% .10%

Health Savings Account (HSA)

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Health Savings Account (HSA)
Daily Balance Rate APY
Checking ($25 or more) .50% .50%
Savings ($25 or more) .10% .10%

Investors Certificate Silver ($500 - $9,999)

Share Certificare of $9999 to $49999
Term Rate APY
6 Months .45% .45%
12 Months .55% .55%
24 Months .65% .65%
36 Months .75% .75%
60 Months 1.00% 1.00%



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Investors Certificate Gold ($500 - $9,999)

Share Certificare of $9999 to $49999
Term Rate APY
6 Months .45% .45%
12 Months .55% .55%
24 Months .65% .65%
36 Months .75% .75%
60 Months 1.00% 1.00%



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Investors Certificate Silver ($10,000 - $49,999)

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Share Certificare of $9999 to $49999
Term Rate APY
6 Months .55% .55%
12 Months .65% .65%
24 Months .75% .75%
36 Months .85% .85%
60 Months 1.10% 1.10%



Investors Certificate Gold ($10,000 - $49,999)

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Share Certificare of $9999 to $49999
Term Rate APY
6 Months .55% .55%
12 Months .65% .65%
24 Months .75% .75%
36 Months .85% .85%
60 Months 1.10% 1.10%



Investors Certificate Silver ($50,000 and over)

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Share Certificare of $50000 and over
Term Rate APY
6 Months .65% .65%
12 Months .75% .75%
24 Months .85% .85%
36 Months .95% .95%
60 Months 1.20% 1.20%



Investors Certificate Gold ($50,000 and over)

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Share Certificare of $50000 and over
Term Rate APY
6 Months .65% .65%
12 Months .75% .75%
24 Months .85% .85%
36 Months .95% .95%
60 Months 1.20% 1.20%



*APY = Annual Percentage Yield

1. Investors Checking Silver: A minimum of $500 is required to open an Investors Silver account. A $5 fee will be charged any month during which the balance falls below the minimum on any given date. The minimum balance of $500 is required to obtain the disclosed Annual Percentage Yield (APY). Monthly dividends will be paid on balances of $50,000 or less. 

2. Investors Checking Gold: A minimum of $2,500 is required to open an Investors Gold account. A $5 fee will be charged any month during which the balance falls below the minimum on any given date. The minimum balance of $2,500 is required to obtain the disclosed APY. Monthly dividends will be paid on balances of $50,000 or less. 

3. To open a Build it! CD, the account requires direct deposit of at least $40 a month; maximum of $1,000. Maximum opening balance is $10,000. IRA CDs are not eligible for this product. If direct deposit is stopped for more than one month and the balance of the Build it! CD is less than $500, account will be closed and funds will be transferred to the prime share savings account and will earn the associated dividend rate. If direct deposit is stopped for more than one month and the balance of the account is at least $500, the dividend rate earned for the remaining term will be equal to the standard 12-month certificate rate at that time. Regular 12-month penalties of 90 days interest apply.

4. Certificates with terms of six months or less pay dividends at maturity. Dividends on certificates with terms of six months or more are earned from date of deposit.