Deposit Product Rates

Checking Rates | Savings Rates | Money Market Rates

CD Rates | IRA Rates

All rates effective as of April 3, 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
7-Month Relationship Special²	1,000	1.88	1.90
10-Month	2,500	0.12	0.12
12-Month	1,000	0.30	0.30
18-Month Flex³	1,000	0.45	0.45
2-Year (24 Month)	1,000	0.65	0.65
36-Month CD Special	1,000	1.49	1.50
36-Month Flex CD³	1,000	1.24	1.25
36-Month Bounce-Up Special⁴	1,000	0.50	0.50
4-Year (48 Month)	1,000	0.60	0.60
4-Year (48 Month) Bounce-Up CD⁴	1,000	0.50	0.50
5-Year (60 Month)	1,000	0.60	0.60
7-Year (84 Month)	1,000	1.49	1.50
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.

²A penalty may be imposed for early withdrawal from certificate accounts. Fees may reduce earnings. Standard Bank checking account required.

³Additions 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.

⁴A 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.

Individual Retirement Account (IRA) Rates

Account Name	Min. Deposit ($)	Interest Rate (%)	APY¹ (%)
1-Year (12 Month)	1,000	0.30	0.30
2-Year (24 Month)	1,000	0.65	0.65
3-Year (36 Month) Relationship Special²	5,000	1.24	1.25
4-Year (48 Month)	1,000	0.50	0.50
5-Year (60 Month)	1,000	0.50	0.50
7-Year (84 Month)	1,000	1.39	1.40
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.

²Limited to amounts $5,000-$250,000 and $5,000 of which must be new money to Standard Bank. Standard Bank checking account required.