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Deposit Rates

CD Special

Effective Date: Saturday, September 19, 2020

CD Special

Program Term APY*

CD Special

9 Months0.35%

Open an Account - CD Special - 9 Months

*Annual percentage yield (APY) subject to change. Minimum deposit $1,000. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal. See Disclosure Statement for more information. This product is not eligible for an IRA.




CDs

Effective Date: Saturday, September 19, 2020

CDs

Programs Term APY*

CDs*

3 Months 0.25%

Open an Account - CD - 3 Months

6 Months 0.30%

Open an Account - CD - 6 Months

12 Months 0.35%

Open an Account - CD - 12 Months

18 Months 0.40%
24 Months 0.55%
30 Months 0.55%
36 Months 0.55%
48 Months 0.75%
60 Months 0.75%

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings of the account. For certificates with terms up to 1 year, the minimum balance required to open the account and obtain the APY is $500.00, and the account pays simple interest. For certificates with terms of 1 year or more, the minimum balance required to open the account and obtain the APY is $500.00, and the interest is compounded continuously. For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.



IRAs

Effective Date: Saturday, September 19, 2020

IRAs

Programs Term APY*

Fixed Rate IRAs

12 Months 0.35%

How To Open - Fixed Rate IRAs

18 Months 0.40%
24 Months 0.55%
30 Months0.55%
36 Months 0.55%
48 Months0.75%
60 Months 0.75%

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings of the account. For certificates with terms up to 1 year, the minimum balance required to open the account and obtain the APY is $500.00, and the account pays simple interest. For certificates with terms of 1 year or more, the minimum balance required to open the account and obtain the APY is $500.00, and the interest is compounded continuously.


Checking, Savings & Money Market Accounts

Effective Date: Saturday, September 19, 2020

Checking, Savings & Money Market Accounts

ProgramMinimum Daily Balance to earn APYInterest Rate APY*

All Access Checking
Balances up to $3,000

$25.002.00%2.00%

Open an Account - All Access Checking

Balances > $3,000

0.10%0.10%

Open an Account - All Access Checking

NOW Checking Account

$25.00 0.05%0.05% How To Open - NOW Checking Account
Money Market Account$25.000.05%0.05%Open an Account - Money Market
$2,500.000.12%

0.12%

Statement Savings

$25.00 0.10% 0.10% Open an Account - Statement Savings
Passbook Savings$25.00 0.10% 0.10% How To Open - Passbook Savings

Student Savings

$1.00 0.10% 0.10%How To Open - Student Savings
Holiday$1.000.10%0.10%How To Open - Holiday

Variable Rate IRA

$100.000.12%0.12% How To Open - Variable Rate IRA

Club Accounts

$1.000.10%0.10%How To Open - Club Accounts

(Student Statement Savings Accounts are available only to students in participating elementary schools in conjunction with School Savings program; there are no monthly service fees.)

*The minimum balance required to earn the stated Interest Rate and Annual Percentage Yield (APY) on the Money Market Account is $2,500. If the balance is below $2,500 for any day, your account will earn our then current NOW Checking Account rate for that day. The minimum daily balance required to open accounts, earn interest and obtain the Annual Percentage Yield on the above accounts is $25 ($1 for Club Accounts and Student Savings).  For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.

Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account.

These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.


Preferred Savings

Effective Date: Saturday, September 19, 2020

Preferred Savings

Program Minimum Daily Balance to earn APY APY*

Preferred Savings Account*

$25 0.10%

Open an Account - Preferred Savings

$5,000 0.10%
$15,000 0.15%
$30,000 0.20%
$45,0000.25%

*For Preferred Savings Accounts the minimum balance to open an account is $25. The minimum daily balance required to earn interest and obtain the Annual Percentage Yield is $25. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce earnings of the account.


Preferred Money Market

Effective Date: Saturday, September 19, 2020

Preferred Money Market

ProgramMinimum Daily Balance to earn APY APY*
Preferred Money Market$25 0.10%

How To Open - Preferred Money Market

$10,0000.10%
$25,000 0.12%
$50,0000.15%
$100,000 0.20%

*The minimum daily balance required to earn the stated Rate and Annual Percentage Yield (APY) on the Money Market Account is $25. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account. These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.<


Premium Money Market

Effective Date: Saturday, September 19, 2020

Premium Money Market

Program Minimum Daily Balance to earn APY APY

Premium Money Market

$250.10%

How To Open - Premium Money Market

$100,000 0.12%
$250,000 0.20%
$500,000 0.30%

*For Premium Money Market Accounts the minimum balance to open an account is $25. The minimum daily balance required to earn interest and obtain the Annual Percentage Yield is $25. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce earnings of the account. These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.