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Our Rates

Effective as of July 27, 2012

Current Deposit Rates for ONLINE Personal Accounts

Checking, Saving & Money Market Accounts  EcoEarnings Checking Save 1st   Market Access
 Balance Tiers  Interest Rate APY*  Interest Rate APY*  Interest Rate APY*
 $0-$24,999  0.05% 0.05%  0.05%  0.05%  0.05% 0.05% 
 $25,000-$99,999  0.07%  0.07%  0.05%  0.05%  0.07%  0.07%
 Over $100,000  0.10%  0.10%  0.10%  0.10%  0.10%  0.10%

 

 Certificates of Deposits (CD)  6 months   12 months   24 months  36 months
Balance Tiers Interest Rate APY*  Interest Rate  APY* Interest Rate APY*  Interest Rate  APY*
< $24,999 0.20% 0.20% 0.25% 0.25% 0.35%   0.35% 0.45% 0.45%
 < $99,999  0.20%  0.20%  0.25%  0.25%  0.35% 0.35%  0.45% 0.45%
 > $100,000  0.25%  0.25%  0.30%  0.30%  0.40%  0.40%  0.50% 0.50% 

 

Traditional, Roth, Education Savings & Simple IRA Accounts

 Consumer  1-Year Flexible CD   1-Year IRA CD   2-Year IRA CD  3-Year IRA CD 
Balance Tiers Interest Rate APY*  Interest Rate  APY* Interest Rate APY*   Interest Rate APY*  
 $1,000-$99,999  0.25%  0.25%  0.25%  0.25%  0.35%  0.35%  0.45% 0.45% 
 Over $100,000  0.30%  0.30%  0.30%  0.30%  0.40%  0.40%  0.50% 0.50% 

  

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  If interest is withdrawn prior to maturity, earnings will be reduced.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 

**1-Year Flexible CD- No penalty on early withdrawal of up to one half of principal in first 6 months.  After 6 months, penalty is 30 days interest.