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Our Rates

Effective as of October 15, 2013

Current Deposit Rates for CHECKING Accounts

   EcoEarnings
Checking
Community First
for Business
 Earnings NOW
for Nonprofits
IOLTA
 Balance Tiers  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% 
$10,000-$24,999  0.05% 0.05%   0.05%  0.05% 0.05%  0.05%  0.05%  0.05% 
 $25,000-$99,999  0.07%  0.07%  0.07%  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%  0.10%  0.10%

 Rates and annual percentage yield on all checking accounts are variable and subject to change at the bank’s discretion. A monthly service charge will be assessed on all checking accounts if the balance falls below the daily minimum requirement; however the account will continue to earn interest. Assessment of fees can reduce principal and earnings.     

  

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% 

Rates and annual percentage yield on all savings accounts are variable and subject to change at the bank’s discretion. Assessment of fees can reduce principal and earnings.

 

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% 

All of our IRA products allow for additional deposits, up to the federal maximum contribution limits. 
Penalties will be imposed for early withdrawal unless you are eligible for penalty-free distributions under the IRS regulations. Assessment of penalties can reduce principal and earnings.  

 

Current CDARS Rates

   13-week 26-week 52-week
 Balance Tiers  Interest Rate  Interest Rate  Interest Rate
 $25,000 < $99,999  0.05%  0.05%  0.08%
 Over $100,000  0.07%  0.08%  0.12%

 

   2-year 3-year 4-year 5-year
 Balance Tiers  Interest Rate  Interest Rate  Interest Rate  Interest Rate
 $25,000 < $99,999  0.15%  0.30%  0.55% 0.75%
 Over $100,000  0.23%  0.40%  0.65% 0.80%

 

CDs can be laddered or maturities can be combined to effectively create a customized term.

CDARS placements are made weekly, Customer documentation and funds must be received by end of business on Tuesday.



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