Online Banking Login
Personal Business

Our Rates

Effective as of October 15, 2013

Current Deposit Rates for CHECKING Accounts

   EcoEarnings Checking Community First Business  Earnings NOW for Nonprofits
 Balance Tiers  Interest Rate APY*  Interest Rate APY*  Interest Rate APY*
 $0-$9,999  0.05% 0.05%  0.05%  0.05%  0.05% 0.05% 
$10,000-$24,999  0.05% 0.05%   0.05%  0.05% 0.05%  0.05% 
 $25,000-$99,999  0.07%  0.07%  0.07%  0.07%  0.07%  0.07%
 Over $100,000  0.10%  0.10%  0.10%  0.10%  0.10%  0.10%

 

Current Deposit Rates for SAVING Accounts

   Market Access Business Market Access  Save 1st Business Savings EcoKids Savings
 Balance Tiers  Interest Rate APY*  Interest Rate APY*  Interest Rate APY*  Interest Rate  APY*   Interest Rate  APY*
 $0-$9,999  0.05% 0.05%  0.05%  0.05%  0.05% 0.05%   0.05%  0.05%  0.05%  0.05%
$10,000-$24,999  0.05% 0.05%   0.05%  0.05% 0.05%  0.05%   0.05%  0.05%  0.05% 0.05% 
 $25,000-$99,999  0.07%  0.07%  0.05%  0.05%  0.05%  0.05% 0.05%  0.05%  0.05%  0.05% 
 Over $100,000  0.10%  0.10%  0.10%  0.10%  0.10%  0.10%  0.10% 0.10%  0.10%  0.10% 

 

Current Deposit Rates for CD Accounts

   6 months   12 months   24 months  36 months
Balance Tiers Interest Rate APY*  Interest Rate  APY* Interest Rate APY*  Interest Rate  APY*
< $24,999 0.12% 0.12% 0.15% 0.15% 0.25%   0.25% 0.35% 0.35%
 < $99,999  0.12%  0.12%  0.15%  0.15%  0.25% 0.25%  0.40% 0.40%
 > $100,000  0.15%  0.15%  0.20%  0.20%  0.30%  0.30%  0.50% 0.50% 

 

   48 months   60 months 
Balance Tiers Interest Rate APY*  Interest Rate  APY*
< $24,999 0.55% 0.55% 0.80% 0.80%
 < $99,999  0.65%  0.65%  0.80%  0.90%
 > $100,000  0.75%  0.75%  1.00%  1.00%

 $1,000 minimum opening balanece required for all Certificates of Deposit. Penalties will be imposed for early withdrawal. Assessment of penalties can reduce principal and earnings.

Current Deposit Rates for IRA Accounts (Traditional, Roth, Education Savings & Simple IRA Accounts)

   1-Year IRA CD   2-Year IRA CD  3-Year IRA CD 
Balance Tiers Interest Rate  APY* Interest Rate APY*   Interest Rate APY*  
 < $99,999  0.15%  0.15%  0.25%  0.25%  0.35% 0.35% 
 > $100,000  0.20%  0.20%  0.30%  0.30%  0.40% 0.40% 

 

   4-Year IRA CD  5-Year IRA CD 
Balance Tiers Interest Rate  APY* Interest Rate APY*  
 < $99,999  0.65%  0.65%  0.90% 0.90% 
 > $100,000  0.75%  0.75%  1.00% 1.00% 

Important Notes:  This information is used in conjunction with other disclosure information about your accounts.  All accounts listed except Certificates are variable rate accounts.  As such, the interest rate may change at any time.  Interest Rates and Annual Percentage Yields (APY)s are subject to change.  The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365 day period.  The APY is determined using the daily collected balance method.  The APY assumes that interest will remain on deposit until maturity.  If interest is withdrawn prior to maturity, earnings will be reduced.  Fees could reduce the earnings on these accounts. Certificate accounts may have a substantial penalty for early withdrawal. 


*APY = Annual Percentage Yield