Checking, Savings, and CD Rates

Rates and annual percentage yields effective as of April 15, 2014. Subject to change. See us for details.


 

- Checking Accounts -

CATEGORY 

INTEREST RATE

APY

HC Checking

0.10%

0.10%

 A balance of $1,500 must be maintained if this account is used for HC membership.
Interest rates and annual percentage yields are variable and subject to change daily.


eMoney Market Accounts

AMOUNT

INTEREST RATE

APY

$2,499.99 and below

0%

0%

$2,500.00 - $9,999.99

0.10%

0.10%

$10,000.00 - $24,999.99

0.10%

0.10%

$25,000.00 - $99,999.99

0.15%

0.15%

$100,000.00 and above

0.25%

0.25%

 Minimum balance to open is $100. $2,500 minimum average collected balance is required to avoid a service charge.
If the minimum average collected balance is not met, at $10 monthly service charge will be assessed. (Excludes applicable taxes.)
Interest rates and annual percentage yields are variable and subject to change daily.


- Savings Accounts -
 

CATEGORY

INTEREST RATE

APY

Basic Savings

0.10%

0.10%


There is no minimum balance to open. $100 minimum average collected balance is required to avoid a service charge.
If the minimum average collected balance is not met, a $2.00 monthly service charge will be assessed. (Excludes applicable taxes.) 
Interest rates and annual percentage yields are variable and subject to change daily.

Tiered Savings

AMOUNT

INTEREST RATE

APY

$999.99 and below

0%

0%

$1,000.00 - $2,499.99

0.10%

0.10%

$2,500.00 - $4,999.99

0.10%

0.10%

$5,000.00 and above

0.10%

0.10%

Minimum balance to open is $1,000. $100 minimum average collected balance is required to avoid a service charge.
If the minimum average collected balance is not met, a $2.00 monthly service charge will be assessed. (Excludes applicable taxes.)
Interest rates and annual percentage yields are variable and subject to change daily.


High Balance Savings

AMOUNT

INTEREST RATE

APY

$9,999.99 and below

0%

0%

$10,000.00 - $24,999.99

0.10%

0.10%

$25,000.00 - $49,999.99

0.13%

0.13%

$50,000.00 - $99,999.99

0.15%

0.15%

$100,000.00 and above

0.25%

0.25%

Minimum balance to open is $10,000. $100 minimum average collected balance is required to avoid a service charge.
If the minimum average collected balance is not met, a $2.00 monthly service charge will be assessed. (Excludes applicable taxes.)
Interest rates and annual percentage yields are variable and subject to change daily.
 

- Certificates of Deposit - 

Email us for CD Specials.

6 Month**

TIER BALANCE

INTEREST RATE

APY

Interest Payment by Check

0.05%

0.05%

$1,000.00 - $4,999.99

0.05%

0.05%

$5,000.00 - $24,999.99

0.15%

0.15%

$25,000.00 - $49,999.99

0.20%

0.20%

$50,000.00 and above

0.25%

0.25%


(Interest compounds and is paid at maturity.)
Minimum balance to open is $1,000.

12 Month**

TIER BALANCE

INTEREST RATE

APY

Interest Payment by Check

0.10%

0.10%

$1,000.00 - $4,999.99

0.10%

0.10%

$5,000.00 - $24,999.99

0.20%

0.20%

$25,000.00 - $49,999.99

0.25%

0.25%

$50,000.00 and above

0.35%

0.35%


(Interest compounds and is paid quarterly.)
Minimum balance to open is $1,000.


18 Month***

TIER BALANCE

INTEREST RATE

APY

Interest Payment by Check

0.20%

0.20%

$1,000.00 - $4,999.99

0.20%

0.20%

$5,000.00 - $24,999.99

0.30%

0.30%

$25,000.00 - $49,999.99

0.35%

0.35%

$50,000.00 and above

0.45%

0.45%


(Interest compounds and is paid quarterly.)
Minimum balance to open is $1,000.


24 Month***

TIER BALANCE

INTEREST RATE

APY

Interest Payment by Check

0.35%

0.35%

$1,000.00 - $4,999.99

0.35%

0.35%

$5,000.00 - $24,999.99

0.45%

0.45%

$25,000.00 - $49,999.99

0.50%

0.50%

$50,000.00 and above

0.60%

0.60%


(Interest compounds and is paid quarterly.)
Minimum balance to open is $1,000.


36 Month****

TIER BALANCE

INTEREST RATE

APY

Interest Payment by Check

0.60%

0.60%

$1,000.00 - $4,999.99

0.60%

0.60%

$5,000.00 - $24,999.99

0.70%

0.70%

$25,000.00 - $49,999.99

0.75%

0.75%

$50,000.00 and above

0.85%

0.85%


(Interest compounds and is paid quarterly. One Tiime Bump Option Available)
Minimum balance to open is $1,000.


48 Month****

TIER BALANCE

INTEREST RATE

APY

Interest Payment by Check

0.80%

0.80%

$1,000.00 - $4,999.99

0.80%

0.80%

$5,000.00 - $24,999.99

0.90%

0.90%

$25,000.00 - $49,999.99

0.95%

0.95%

$50,000.00 and above

1.05%

1.05%


(Interest compounds and is paid quarterly. One Time Bump Option Available)
Minimum balance to open is $1,000.


60 Month****

TIER BALANCE

INTEREST RATE

APY

Interest Payment by Check

1.05%

1.05%

$1,000.00 - $4,999.99

1.05%

1.05%

$5,000.00 - $24,999.99

1.15%

1.15%

$25,000.00 - $49,999.99

1.20%

1.21%

$50,000.00 and above

1.30%

1.31%


(Interest compounds and is paid quarterly. One Time Bump Option Available)
Minimum balance to open is $1,000.



 We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). A withdrawal and/or fees could reduce earnings on these accounts.


Ask a personal banker for minimum balance to open and other account information.

* Penalty for early withdrawal will be all of the interest earned.
** Penalty for early withdrawal will be equal to 90 days interest.
*** Penalty for early withdrawal will be equal to 180 days interest.
**** Penalty for early withdrawal will be equal to 365 days interest.