Deposit Product Rates
Checking Rates | Savings Rates | Money Market Rates CD Rates | Birthday CD Rates | IRA Rates
All rates effective as of January 26, 2017. 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 |
| 15-Month2 | 1,000 | 1.14 | 1.15 |
18-Month Flex3 | 1,000 | 0.45 | 0.45 |
| 2-Year (24 Month)2 | 1,000 | 1.34 | 1.35 |
| 3-Year (36 Month) | 1,000 | 1.09 | 1.10 |
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 | 1,000 | 1.24 | 1.25 |
| 7-Year (84 Month) | 1,000 | 1.98 | 2.00 |
| 10-Year (120 Month) | 1,000 | 1.98 | 2.00 |
1 APY refers to Annual Percentage Yield. A penalty may be imposed for early withdrawal from certificate accounts. 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 from certificate accounts. Fees may reduce earnings. Businesses are not eligible. Limited on amounts $1,000 - $250,000 per person, per term.
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. Original deposit limited to $100,000. Fees may reduce earnings.
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 - $500,000. Standard Bank checking account required. Limited to one bounce up per CD term. IRAs are not eligible.
5 APY refers to Annual Percentage Yield. A penalty may be imposed for early withdrawal from certificate accounts. Fees may reduce earnings. Limited on amounts $1,000 - $500,000. Limited to two bounce ups per CD term. IRAs are not eligible.
Birthday Certificate of Deposit (CD) Rates
| Account Name | Min. Deposit ($) | Interest Rate (%) | APY1 (%) |
|---|---|---|---|
| 3-Year Birthday CD2 | 1,000 | 1.19 | 1.20 |
4-Year Birthday2 | 1,000 | 1.39 | 1.40 |
5-Year Birthday2 | 1,000 | 1.59 | 1.60 |
7-Year Birthday2 | 1,000 | 2.08 | 2.10 |
10-Year Birthday2 | 1,000 | 2.08 | 2.10 |
1 APY refers to Annual Percentage Yield. A penalty may be imposed for early withdrawal from certificate accounts. Fees may reduce earnings.
2 APY refers to Annual Percentage Yield. Birthday CD bonus provides a .10% higher yield (as shown) than term CDs three years or more. Customers must have a Navigator or Kasasa® checking account. Bonus rate limited to CDs with balances between $1,000 – $20,000. Customers are eligible from the first of their birthday month and 10 calendar days after the month. A penalty will be imposed for early withdrawal. Call your local office for current rates.
Individual Retirement Account (IRA) Rates
| Account Name | Min. Deposit ($) | Interest Rate (%) | APY1 (%) |
|---|---|---|---|
| 1-Year (12-Month) | 1,000 | 0.30 | 0.30 |
| 15-Month2 | 1,000 | 1.14 | 1.15 |
| 2-Year (24 Month)2 | 1,000 | 1.34 | 1.35 |
| 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.
2 APY refers to Annual Percentage Yield. A penalty may be imposed for early withdrawal from certificate accounts. Fees may reduce earnings. Businesses are not eligible. Limited on amounts $1,000 - $250,000 per person, per term.
