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