Deposit Product Rates
Checking Rates | Savings Rates | Money Market Rates
All rates effective as of January 10, 2019. Please note that the rates are subject to change without notice.
Checking Accounts
| Account Name | Min. Deposit ($) | Interest Rate (%) | APY1 (%) | Min. Balance to Open |
|---|---|---|---|---|
| Navigator Checking | ||||
| Tier 1 | 500 to 9,999 | 0.05 | 0.05 | 0 |
| Tier 2 | 10,000 to 49,999 | 0.10 | 0.10 | 0 |
| Tier 3 | 50,000 & over | 0.15 | 0.15 | 0 |
1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings.
Savings Accounts
| Account Name | Min. Deposit ($) | Interest Rate (%) | APY1 (%) | Min. Balance to Open |
|---|---|---|---|---|
| Navigator Savings (links to Checking) | ||||
| Club Class or Unlinked | 100 | 0.05 | 0.05 | 0 |
| First Class (Tier 1) | Up to first 20,000 | 0.20 | 0.20 | 0 |
| First Class (Tier 2) | Balances excess of 20,000 | 0.10 | 0.10 | 0 |
| Preferred Class (Tier 1) | Up to first 20,000 | 0.70 | 0.70 | 0 |
| Preferred Class (Tier 2) | Balances in excess of 20,000 | 0.10 | 0.10 | 0 |
| Super Easy Savings | 10,000 | 0.10 | 0.10 | 10,000 |
| Statement Savings | 100 | 0.05 | 0.05 | 100 |
| Christmas Club | 10 | 0.10 | 0.10 | 10 |
1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings.
Money Market Accounts
| Account Name | Min. Deposit ($) | Interest Rate (%) | APY1 (%) | Min. Balance to Open |
|---|---|---|---|---|
| Preferred Money Market | 20,000 | 0.10 | 0.10 | 20,000 |
| Insured Money Market | ||||
| Tier 1 | Up to 2,499 | 0.05 | 0.05 | 2,500 |
| Tier 2 | 2,500 to 24,999 | 0.08 | 0.08 | 2,500 |
| Tier 3 | 25,000 & over | 0.10 | 0.10 | 2,500 |
1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings.
Certificate of Deposit (CD) Rates
| Account Name | Min. Deposit ($) | Interest Rate (%) | APY1 (%) |
|---|---|---|---|
| 3-Month | 1,000 | 0.12 | 0.12 |
| 6-Month | 1,000 | 0.12 | 0.12 |
| 10-Month | 2,500 | 0.12 | 0.12 |
| 12-Month | 1,000 | 0.30 | 0.30 |
| 18-Month CD Special (Relationship)2 | 1,000 | 2.47 | 2.50 |
18-Month Flex3 | 1,000 | 0.45 | 0.45 |
| 2-Year (24 Month) | 1,000 | 0.70 | 0.70 |
| 3-Year CD Special (36 Month) | 1,000 | 3.00 | 3.05 |
36-Month Flex CD3 | 1,000 | 1.14 | 1.15 |
36-Month Bounce-Up Special4 | 1,000 | 1.00 | 1.01 |
| 4-Year (48 Month) | 1,000 | 1.29 | 1.30 |
| 4-Year (48 Month) Bounce-Up CD4 | 1,000 | 1.04 | 1.05 |
5-Year (60 Month) | 1,000 | 1.49 | 1.50 |
5-Year Double Bounce-Up Special5 | 2,500 | 3.05 | 3.10 |
5-Year Double Bounce-Up Special (Relationship)6 | 2,500 | 3.20 | 3.25 |
| 7-Year (84 Month) | 1,000 | 1.98 | 2.00 |
| 10-Year (120 Month) | 1,000 | 1.98 | 2.00 |
1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings. 2 APY refers to Annual Percentage Yield. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum deposit to open and earn APY is $1,000 with a maximum of $250,000 per tax ID number. A Standard Bank checking account is required. IRAs are not eligible. 3 APY refers to Annual Percentage Yield. Additions can be made at any time up to an amount three times original deposit. Customer is permitted to withdraw 1/3 of the current balance each calendar quarter without penalty. Withdrawals are not permitted within 6 days of the most recent withdrawal. IRAs are not eligible. Minimum to open is $1,000. Original deposit limited to $100,000 per household. Fees may reduce earnings. Upon maturity, CD cannot be renegotiated. 4 APY refers to Annual Percentage Yield. A penalty may be imposed for early withdrawal from certificate accounts. Fees may reduce earnings. Limited on amounts $1,000 - $250,000. Standard Bank checking account required. Limited to one bounce up per CD term. IRAs are not eligible. 5 APY refers to Annual Percentage Yield. Offer is current as of 05/03/18 and subject to change without notice. The penalty for early withdrawal will be an amount equal to 12 months of accrued interest on the amount withdrawn. Fees may reduce earnings. Fees may reduce earnings. Limited on amounts $2,500 - $250,000. IRAs and businesses are not eligible. A minimum of $2,500 must be new money to Standard Bank. Limited to two rate bounce ups per term. Customers may bounce up their rate at their local Standard Bank office at any point during their CD term. The bounced-up interest rate will be the current rate of a regular five-year certificate. 6APY refers to Annual Percentage Yield. Offer is current as of 05/03/18 and subject to change without notice. The penalty for early withdrawal will be an amount equal to 12 months of accrued interest on the amount withdrawn. Fees may reduce earnings. Fees may reduce earnings. Limited on amounts $2,500 - $250,000. IRAs and businesses are not eligible. An existing Standard Bank checking account is required for 3.25% APY rate. Without a checking account, the rate is 3.00% APY. A minimum of $2,500 must be new money to Standard Bank. Limited to two rate bounce ups per term. Customers may bounce up their rate at their local Standard Bank office at any point during their CD term. The bounced-up interest rate will be the current rate of a regular five-year certificate.
Individual Retirement Account (IRA) Rates
| Account Name | Min. Deposit ($) | Interest Rate (%) | APY1 (%) |
|---|---|---|---|
| 1-Year (12-Month) | 1,000 | 0.30 | 0.30 |
| 3-Year (36 Month) | 1,000 | 1.09 | 1.10 |
| 4-Year (48 Month) | 1,000 | 1.29 | 1.30 |
| 5-Year (60 Month) | 1,000 | 1.24 | 1.25 |
| 7-Year (84 Month) | 1,000 | 1.49 | 1.50 |
| 10-Year (120 Month) | 1,000 | 1.49 | 1.50 |
1APY refers to Annual Percentage Yield. Rates may change on variable rate accounts after the account is opened. Fees may reduce earnings.
