Deposit Rates

These rates are effective as of February 27, 2013. Rates are for personal and business accounts only. They cover CDs, savings, and money market accounts. For municipalities and other public funds please call for a rate quote. Rates are subject to change.

Certificates of Deposit ^

New Money Specials

Personal accounts only $100,000 maximum per account

 RateAPY*Minimum to Open
14 month0.51%0.51%$5,000

Standard Rates

 RateAPY*Minimum to Open
3 Month0.05%0.05%$2,500
6 Month0.15%0.15%$2,500
9 Month0.15%0.15%$5,000
12 Month0.25%0.25%$1,500
18 Month0.30%0.30%$1,500
24 Month0.35%0.35%$1,500
36 Month0.45%0.45%$1,500
48 Month0.75%0.75%$5,000
60 Month0.95%0.95%$5,000
18 Month Variable IRA ¥0.20%0.20%$100

Notice to other financial institutions: We are not currently accepting deposits for money markets and certificates of deposits.

Savings ~¥

 RateAPY*Minimum to Open
Super Savings Club0.07%0.07%$10

Money Markets ~¥

Super Money Market

 RateAPY*Minimum to Open
$50,000 and Over0.17%0.17%$2,500
$25,000 - $49,9990.12%0.12%
$10,000 - $24,9990.08%0.08%
Less Than $10,0000.05%0.05%

Mega Money Market

Must have existing checking account or open a Capital Interest Checking. Personal accounts only: max $100,000/acct.; $200,000 household

 RateAPY*Minimum to Open
Amt > $100,000*0.18%0.18%$25,000
$25,000 - $100,0000.14%0.14%
Less Than $25,0000.06%0.06%

Checking ~¥

 RateAPY*Minimum to Open
50+ Free Interest Checking0.05%0.05%$50
VIP Free Interest Checking0.05%0.05%$50
Business Checking w/ Interest0.04%0.04%$50

Capital Interest Checking & HSA Checking

 RateAPY*Minimum to Open
$25,000 and over0.10%0.10%$50
$10,000 - $24,9990.09%0.09%
$2,500 - $9,9990.06%0.06%
Less Than $2,5000.05%0.05%

See Account Disclosure for additional account information
*APY = Annual Percentage Yield
~ Fees could reduce account earnings
¥ Rate may change after account opening
^ A penalty may be imposed for early withdrawal.

Terms and Conditions

CD Interest:
Interest is compounded and credited quarterly on all certificates of deposit with the exception of the 3 month, which is credited at maturity

CD Early Withdrawal Penalty:
Maturity of 0 to 90 days - Lesser of 30 days of interest earned on amount withdrawn or 100% of accrued interest.

Maturity of 91 days through 12 months - penalty equal to 90 days interest.

Maturity of more than 12 months up to 36 months - penalty equal to 180 days interest.

Maturity of 36 months or more - penalty equal to 365 days interest