Deposit Rates

Effective Date:


Customers who do not live or work within our Market Area must visit our banking office to qualify.

BASIC BANKING PRODUCTS
BASIC BUSINESS CHECKING ACCOUNTS
Monthly Mainenance charge $6.00  
Deposits Processed $0.50  
Checks in Deposit (per check) $0.05  
Checks Paid (per check) $0.10  
Deposit Return Items (per item) $10.00  
Overdraft Fee $25.00  
Stop Payment Fee $25.00  
Earnings Allowance Based On Average Collected Balance $0.25 per $100.00  
BASIC COMMERCIAL MMDA
Minimum Balance APY* Interest Rate
Below $10,000 0.13% 0.125%
$10,000 - $24,999 0.38% 0.375%
$25,000 - $49,999 0.51% 0.500%
$50,000 - $74,999 0.89% 0.875%
$75,000 and over 1.15% 1.125%

Fees could reduce earnings on these accounts. Variable rate may change after account is opened. Certain other restrictions may apply.

Mininmum to open account $2,500

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

 

BASIC COMMERCIAL Sweep Accounts
Minimum Balance APY Interest Rate
Below $10,000
0.13%
0.125%
$10,000 - $24,999
0.38%
0.375%
$25,000 - $49,999
0.50%
0.500%
$50,000 - $74,999
1.01%
1.000%
$75,000 and over
1.26%
1.250%
NOT insured by the FDIC/SIF    
Secured By A Repurchase Agreement Between The Customer And The Bank Target Balance Set By Agreement Minimum Sweep Amount In And Out Is $500.00 Fee of $25.00 Per Month For Sweep

 

BASIC CERTIFICATES OF DEPOSIT
Term and Minimum to Open APY Interest Rate
3 Months $5,000 0.38%*** 0.375%
6 Months $5,000 0.51%*** 0.500%
9 Months $5,000 0.64%*** 0.625%
12 Months $1,000 0.64%*** 0.625%
15 Months $1,000 1.15%**** 1.125%
18 Months $1,000 1.15%**** 1.125%
24 Months $1,000 1.15%**** 1.125%
36 Months $1,000 1.28%**** 1.250%
48 Months $1,000 1.28%**** 1.250%
60 Months $1,000 1.28%**** 1.250%

CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.

*** You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.

**** You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

BASIC SAVINGS ACCOUNTS
Account Type and Minimum To Open and Earn APY APY Interest Rate
Passbook Savings $25.00 - $25.00 0.38% 0.370%
Statement Savings $25.00 - $25.00 0.38% 0.370%

You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.

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*Maintain a relationship balance of just $5,000.00 in all of your deposit and loan accounts to qualify for the following rates Gold or VIP programs require Gold or VIP Checking Account.
GOLD BANKING PRODUCTS
GOLD CHECKING ACCOUNTS
Monthly Maintenance Charge* $6.00  
Deposits Processed* $0.50 
Checks in Deposit (per check)* $0.05  
Checks Paid (per check)* $0.10  
Deposit Return Items (per item) $10.00  
Overdraft Fee $25.00  
Stop Payment Fee $25.00  
Earnings Allowance Based On Average Collected Balance N/A  
* Waived With $5,000 Relationship Balance
GOLD COMMERCIAL MMDA
Minimum Balance APY* Interest Rate
Below $10,000 0.38% 0.375%
$10,000 - $24,999 0.64% 0.625%
$25,000 - $49,999 0.76% 0.750%
$50,000 - $74,999 1.15% 1.125%
$75,000 and over 1.40% 1.375%

Fees could reduce earnings on these accounts. Variable rate may change after account is opened. Certain other restrictions may apply.

Minimum to open account $2,500.

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield

GOLD CHECKING ACCOUNT REQUIRED

GOLD COMMERCIALSWEEP ACCOUNT
Minimum Balance APY Interest Rate
Below $10,000
0.38%
0.375%
$10,000 - $24,999
0.64%
0.625%
$25,000 - $49,999
0.89%
0.875%
$50,000 - $74,999
1.40%
1.375%
$75,000 and over
1.66%
1.625%
NOT insured by the FDIC/SIF    

Secured By A Repurchase Agreement Between The Customer And The Bank Target Balance Set By Agreement Minimum Sweep Amount In And Out Is $500.00 Fee of $25.00 Per Month For Sweep

GOLD CHECKING ACCOUNT REQUIRED

 

GOLD CERTIFICATES OF DEPOSIT
Term and Minimum to Open APY Interest Rate
3 Months $5,000 0.76%*** 0.750%
6 Months $5,000 1.02%*** 1.000%
9 Months $5,000 1.15%*** 1.125%
12 Months $1,000 1.15%*** 1.125%
15 Months $1,000 1.53%**** 1.500%
18 Months $1,000 1.40%**** 1.375%
24 Months $1,000 1.53%**** 1.500%
36 Months $1,000 1.66%**** 1.625%
48 Months $1,000 1.53%**** 1.500%
60 Months $1,000 1.79%**** 1.750%

CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.

*** You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield

**** You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield

GOLD CHECKING ACCOUNT REQUIRED

GOLD SAVINGS ACCOUNTS
Account Type and Minimum To Open and Earn APY APY Interest Rate
Passbook Savings $25.00 - $25.00 0.89% 0.87%
Statement Savings $25.00 - $25.00 0.89% 0.87%

You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.

GOLD CHECKING ACCOUNT REQUIRED

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*Maintain a relationship balance of $750,000.00 in all of your deposit and loan accounts to qualify for the following rates Gold or VIP programs require Gold or VIP Checking Account.
VIP BANKING PRODUCTS
VIP CHECKING ACCOUNTS
Monthly Maintenance Charge* $15.00  
Deposits Processed* $0.50  
Checks in Deposit (per check)* $0.05  
Checks Paid (per check)* $0.10  
Deposit Return Items (per item) $10.00  
Overdraft Fee $25.00  
Stop Payment Fee $25.00  
Earnings Allowance Based On Average Collected Balance N/A  
* Waived With $750,000 Relationship Balance
VIP COMMERCIAL MMDA
Minimum Balance APY* Interest Rate
Below $10,000 0.64% 0.625%
$10,000 - $24,999 0.89% 0.875%
$25,000 - $49,999 1.02% 1.000%
$50,000 - $74,999 1.53% 1.500%
$75,000 and over 1.66% 1.625%

Fees could reduce earnings on these accounts. Variable rate may change after account is opened. Certain other restrictions may apply.

Minimum to open account $2,500.

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield

VIP CHECKING ACCOUNT REQUIRED

 

VIP COMMERCIALSWEEP ACCOUNT
Minimum Balance APY Interest Rate
Below $10,000
064%
0.625%
$10,000 - $24,999
0.89%
0.875%
$25,000 - $49,999
1.15%
1.125%
$50,000 - $74,999
1.66%
1.625%
$75,000 and over
1.92%
1.875%
NOT insured by the FDIC/SIF    

Secured By A Repurchase Agreement Between The Customer And The Bank Target Balance Set By Agreement Minimum Sweep Amount In And Out Is $500.00 Fee of $25.00 Per Month For Sweep

VIP CHECKING ACCOUNT REQUIRED

 

 

 

VIP CERTIFICATES OF DEPOSIT
Term and Minimum to Open APY Interest Rate
3 Months $5,000 0.89%*** 0.875%
6 Months $5,000 1.15%*** 1.125%
9 Months $5,000 1.28%*** 1.250%
12 Months $1,000 1.28%*** 1.250%
15 Months $1,000 1.66%**** 1.625%
18 Months $1,000 1.53%**** 1.500%
24 Months $1,000 1.53%**** 1.500%
36 Months $1,000 1.66%**** 1.625%
48 Months $1,000 1.66%**** 1.625%
60 Months $1,000 1.92%**** 1.875%

CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.

*** You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield

**** You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield

VIP CHECKING ACCOUNT REQUIRED

VIP SAVINGS ACCOUNTS
Account Type and Minimum to Open and Earn APY APY Interest Rate
Passbook Savings $25.00 - $25.00 1.14% 1.12%
Statement Savings $25.00 - $25.00 1.14% 1.12%

You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.

VIP CHECKING ACCOUNT REQUIRED

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