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Online Banking

Checking, Savings and Certificates Rates

Effective Date: November 1, 2018

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Carefree Checking NA NA $0.01 NA NA NA
First Checking Plus 0.05% 0.05% NA NA Monthly Monthly
Dividend Rewards Checking (Qualified Rate) 2
$0.01 - $15,000.00 1.98% 2.00% $0.01 NA Monthly Monthly
$15,000.01 + 0.20% 0.20% $0.01 NA Monthly Monthly
Dividend Rewards Checking (Non-Qualified Rate) 2 0.05% 0.05% $0.01 NA Monthly Monthly
HSA Checking 1.00% 1.00% $0.01 NA Monthly Monthly
Select the Checking account you want to open.

Effective Date: November 1, 2018

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Membership Savings 0.05% 0.05% $5.00 NA Monthly Monthly
Carefree Savings 0.10% 0.10% $0.01 NA Monthly Monthly
Instant Access Savings
$0.01 - $2,499.99 0.05% 0.05% $5,000.00 NA Monthly Monthly
$2,500 - $9,999.99 0.35% 0.35% $5,000.00 NA Monthly Monthly
$10,000 - $24,999.99 0.55% 0.55% $5,000.00 NA Monthly Monthly
$25,000 - $99,999.99 0.70% 0.70% $5,000.00 NA Monthly Monthly
$100,000 - $249,999.99 0.80% 0.80% $5,000.00 NA Monthly Monthly
$250,000 - $499,999.99 0.95% 0.95% $5,000.00 NA Monthly Monthly
$500,000 - $749,999.99 1.04% 1.05% $5,000.00 NA Monthly Monthly
$750,000 + 1.19% 1.20% $5,000.00 NA Monthly Monthly
Select the Savings account you want to open.

Effective Date: November 1, 2018

Term Dividend Rate APY 1
Fixed Fixed
6-Month 1.24% 1.25%
12-Month 1.74% 1.75%
13-Month Bump Up 1.98% 2.00%
24-Month 2.47% 2.50%
36-Month 2.57% 2.60%
60-Month 2.63% 2.66%
Select the Share Certificates account you want to open.

Effective Date: November 1, 2018

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Simple Business Checking NA NA $100 $1,000 NA NA
Business Dividend Checking
$0 - $9,999.99 0.05% 0.05% $100 $5,000 Monthly Monthly
$10,000 - $24,999.99 0.05% 0.05% $100 $5,000 Monthly Monthly
$25,000 - $49,999.99 0.05% 0.05% $100 $5,000 Monthly Monthly
$50,000 - $99,999.99 0.10% 0.10% $100 $5,000 Monthly Monthly
$100,000 + 0.10% 0.10% $100 $5,000 Monthly Monthly
Call 855.855.8805

Effective Date: November 1, 2018

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Business Instant Access
$0.01 - $2,499.99 0.05% 0.05% $5,000 $5,000 Monthly Monthly
$2,500 - $9,999.99 0.05% 0.05% $5,000 $5,000 Monthly Monthly
$10,000 - $24,999.99 0.05% 0.05% $5,000 $5,000 Monthly Monthly
$25,000 - $99,999.99 0.10% 0.10% $5,000 $5,000 Monthly Monthly
$100,000 - $249,999.99 0.15% 0.15% $5,000 $5,000 Monthly Monthly
$250,000 + 0.20% 0.20% $5,000 $5,000 Monthly Monthly
Call 855.855.8805

Effective Date: November 1, 2018

Account Dividend Rate APY 1 Min. Opening Balance Min. Avg. Daily Balance to Avoid Fee Dividend Compounded & Credited Dividend Period
Business Membership Savings 0.05% 0.05% $5.00 NA Monthly Monthly
Simple Business Savings 0.05% 0.05% $0.01 NA Monthly Monthly
Call 855.855.8805

Effective Date: November 1, 2018

Term Dividend Rate APY
Fixed Fixed
6-Month 0.20% 0.20%
13-Month Bump Up* 0.20% 0.20%
36-Month 0.75% 0.75%
60-Month 1.54% 1.55%
Subsequent Deposits Not Allowed Not Allowed
Renewable Automatic Automatic
Call 855.855.8805

1 = Annual Percentage Yield

2 = Dividend Rewards Checking. The dividend rate and the corresponding annual percentage yield (APY) on your account will be determined by whether or not account qualifications have been met per monthly cycle. Qualifications per monthly cycle are 12 debit card purchases, one direct deposit or ACH withdrawal and receipt of electronic statements. Qualifying transactions must post to the account prior to the last day of the month. Debit card purchases can take up to 3 days to post and are dependent on merchant processing times. If the requirements per qualification period are not met, the dividend rate and corresponding APY earned will be the non-qualified rate. Fees charged at U.S. ATMs will be refunded if account qualifications are met for the monthly cycle the fee was charged in.