Deposit Product Rates

 Checking Rates | Savings Rates | Money Market Rates
CD RatesBirthday 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 NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

Min. Balance to Open
Navigator Checking
Tier 1500 to 9,9990.050.050
Tier 210,000 to 49,9990.100.100
Tier 350,000 & over0.150.150

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 NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

Min. Balance to Open
Navigator Savings (links to Checking)
Club Class or Unlinked1000.050.050
First Class (Tier 1)Up to first 20,0000.200.200
First Class (Tier 2)Balances excess of 20,0000.100.100
Preferred Class (Tier 1)Up to first 20,0000.700.700
Preferred Class (Tier 2)Balances in excess of 20,0000.100.100
Super Easy Savings 10,0000.100.1010,000
Statement Savings 1000.050.05100
Christmas Club 100.100.1010

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 NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

Min. Balance to Open
Preferred Money Market 20,0000.100.1020,000
Insured Money Market
Tier 1Up to 2,4990.050.052,500
Tier 22,500 to 24,9990.080.082,500
Tier 325,000 & over0.100.102,500

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 NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

3-Month1,0000.120.12
6-Month1,0000.120.12
10-Month2,5000.120.12
12-Month1,0000.300.30
15-Month2

1,0001.141.15

18-Month Flex3

1,0000.450.45
2-Year (24 Month)2

1,0001.341.35
3-Year (36 Month)1,0001.091.10

36-Month Flex CD3

1,0001.141.15

36-Month Bounce Up Special4

1,0001.001.01
4-Year (48 Month)1,0001.291.30
4-Year (48 Month) Bounce-Up CD41,0001.041.05

5-Year (60 Month)

1,0001.491.50

5-Year Double Bounce Up Special5

1,0001.241.25
7-Year (84 Month)1,0001.982.00
10-Year (120 Month)1,0001.982.00

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.

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 NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

3-Year Birthday CD21,0001.191.20

4-Year Birthday2

1,0001.391.40

5-Year Birthday2

1,0001.591.60

7-Year Birthday2

1,0002.082.10

10-Year Birthday2

1,0002.082.10

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. Standard Bank Navigator Checking account required. Bonus rate limited to $1,000-$20,000 on a three-year or longer term CD. One bonus CD per customer. Must show valid ID. Customers are eligible from the first day of their birthday month until 10 calendar days after their birthday month.

Individual Retirement Account (IRA) Rates

Account NameMin. Deposit ($)Interest Rate (%)

APY1 (%)

1-Year (12-Month)1,0000.300.30
15-Month21,0001.141.15
2-Year (24 Month)21,0001.341.35
3-Year (36 Month)1,0001.091.10
4-Year (48 Month)1,0001.291.30
5-Year (60 Month)1,0001.241.25
7-Year (84 Month)1,0001.491.50
10-Year (120 Month)1,0001.491.50

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.

CD Specials 

Deposit Rates 

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