Rates (The posted rates are not for institutional and wholesale funds)
Effective Date as of November 15, 2024
Time Certificate of Deposit
|
Term
|
$1,000 to $9,999.99
|
$10,000 to $24,999.99
|
$25,000 to $99,999.99
|
$100,000 to $200,000.99
|
$200,001 and over
|
|---|
|
Rate
|
APY
|
Rate
|
APY
|
Rate
|
APY
|
Rate
|
APY
|
Rate
|
APY
|
|---|
|
7 - 30 Days
|
0.25%
|
0.25%
|
0.25%
|
0.25%
|
0.30%
|
0.30%
|
0.40%
|
0.40%
|
0.50%
|
0.50%
|
|
31 - 89 Days
|
0.50%
|
0.50%
|
0.50%
|
0.50%
|
0.75%
|
0.75%
|
1.00%
|
1.00%
|
1.00%
|
1.00%
|
|
90 - 119 Days
|
1.00%
|
1.00%
|
1.24%
|
1.25%
|
1.24%
|
1.25%
|
1.49%
|
1.50%
|
1.49%
|
1.50%
|
|
120 - 149 Days
|
1.00%
|
1.00%
|
1.24%
|
1.25%
|
1.24%
|
1.25%
|
1.49%
|
1.50%
|
1.49%
|
1.50%
|
|
150 - 179 Days
|
1.00%
|
1.00%
|
1.24%
|
1.25%
|
1.24%
|
1.25%
|
1.49%
|
1.50%
|
1.49%
|
1.50%
|
|
180 - 269 Days
|
1.49%
|
1.50%
|
1.88%
|
1.90%
|
2.13%
|
2.15%
|
2.37%
|
2.40%
|
2.37%
|
2.40%
|
|
270 - 364 Days
|
1.69%
|
1.70%
|
1.98%
|
2.00%
|
2.23%
|
2.25%
|
2.57%
|
2.60%
|
2.57%
|
2.60%
|
|
12 - 23 Months
|
1.84%
|
1.85%
|
2.28%
|
2.30%
|
2.57%
|
2.60%
|
2.96%
|
3.00%
|
2.96%
|
3.00%
|
|
24 - 35 Months
|
1.93%
|
1.95%
|
2.28%
|
2.30%
|
2.57%
|
2.60%
|
2.96%
|
3.00%
|
2.96%
|
3.00%
|
|
36 - 47 Months
|
1.83%
|
1.85%
|
2.18%
|
2.20%
|
2.47%
|
2.50%
|
2.76%
|
2.80%
|
2.76%
|
2.80%
|
|
48 - 59 Months
|
1.83%
|
1.85%
|
2.18%
|
2.20%
|
2.18%
|
2.20%
|
2.72%
|
2.75%
|
2.72%
|
2.75%
|
|
60 - Months
|
1.83%
|
1.85%
|
2.18%
|
2.20%
|
2.18%
|
2.20%
|
2.72%
|
2.75%
|
2.72%
|
2.75%
|
Annual Percentage Yield (APY) is accurate as of (11-15-2024). Rates are subject to change without further notice. Fees could reduce earnings on the account. Interest on Time Certificate of Deposit (CD) accounts begins to accrue on the business day you make your deposit. Early withdrawal penalties may apply.
IRAs
|
Term
|
$1,000 to $9,999.99
|
$10,000 to $24,999.99
|
$25,000 to $99,999.99
|
$100,000 to $200,000.99
|
$200,001 and over
|
|---|
|
Rate
|
APY
|
Rate
|
APY
|
Rate
|
APY
|
Rate
|
APY
|
Rate
|
APY
|
|---|
|
IRA 12 - 23 Months
|
1.83%
|
1.85%
|
2.28%
|
2.30%
|
2.57%
|
2.60%
|
2.96%
|
3.00%
|
2.96%
|
3.00%
|
|
IRA 24 - 35 Months
|
1.93%
|
1.95%
|
2.28%
|
2.30%
|
2.57%
|
2.60%
|
2.96%
|
3.00%
|
2.96%
|
3.00%
|
Money Market
|
Deposit Amount
|
Money Market (Personal)
|
Money Market (Business)
|
A+ Money Market (Personal)
|
A+ Money Market (Business)
|
|---|
|
Rate
|
APY
|
Rate
|
APY
|
Rate
|
APY
|
Rate
|
APY
|
|---|
|
$0.01 to $2,499.99
|
0.20%
|
0.20%
|
0.20%
|
0.20%
|
0.20%
|
0.20%
|
0.20%
|
0.20%
|
|
$2,500 to $9,999.99
|
0.50%
|
0.50%
|
0.50%
|
0.50%
|
0.50%
|
0.50%
|
0.50%
|
0.50%
|
|
$10,000 to $49,999.99
|
1.83%
|
1.85%
|
1.83%
|
1.85%
|
1.83%
|
1.85%
|
1.83%
|
1.85%
|
| $50,000 to $99,999.99 |
2.18%
|
2.20%
|
2.18%
|
2.20%
|
2.18%
|
2.20%
|
2.18%
|
2.20%
|
| $100,000 to $249,999.99 |
2.18%
|
2.20%
|
2.18%
|
2.20%
|
2.18%
|
2.20%
|
2.18%
|
2.20%
|
| $250,000 to $499,999.99 |
2.28%
|
2.30%
|
2.28%
|
2.30%
|
2.28%
|
2.30%
|
2.28%
|
2.30%
|
| $500,000 AND OVER |
2.47% |
2.50% |
2.47% |
2.50% |
2.47% |
2.50% |
2.47% |
2.50% |
Annual Percentage Yield (APY) is variable and subject to change after opening without notice. Charges and fees may reduce earnings. Money Market Account - Regulation D limits certain types of withdrawal and transfer transactions you can make out of your money market accounts to a maximum combined total of six (6) per month or monthly statement period.
Savings
|
Deposit Amount
| Personal Savings | Business Savings |
A+ Personal Savings
|
A+ Business Savings
|
|---|
| Rate | APY | Rate | APY |
Rate
|
APY
|
Rate
|
APY
|
|---|
|
$0.01 to $9,999.99
|
0.50% |
0.50% |
0.50% |
0.50% |
0.50%
|
0.50%
|
0.50%
|
0.50%
|
|
$10,000 to $49,999.99
|
1.84% |
1.85% |
1.84% |
1.85% |
1.84%
|
1.85%
|
1.84%
|
1.85%
|
|
$50,000 to $99,999.99
|
2.18% |
2.20% |
2.18% |
2.20% |
3.75%
|
3.80%
|
3.75%
|
3.80%
|
| $100,000 to $249,999.99 |
2.18% |
2.20% |
2.18% |
2.20% |
3.99%
|
4.05%
|
3.99%
|
4.05%
|
| $250,000 to $499,999.99 |
2.28% |
2.30% |
2.28% |
2.30% |
4.28%
|
4.35%
|
4.28%
|
4.35%
|
| $500,000 AND OVER |
2.30% |
2.50% |
2.48% |
2.50% |
4.28%
|
4.35%
|
4.28%
|
4.35%
|
Annual Percentage Yield (APY) is variable and subject to change after opening without notice. Charges and fees may reduce earnings. Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings accounts to a maximum combined total of six (6) per month or monthly statement period.
NOW Accounts
|
Account Type
|
Rate
|
APY
|
Minimum Average Balance to Avoid Service Charge
|
|---|
|
Personal NOW Account
|
0.20%
|
0.20%
|
$1,500.00
|
|
Business NOW Account
|
0.20%
|
0.20%
|
$2,500.00
|
|
Attorney Client Trust
|
0.20%
|
0.20%
|
$2,500.00
|
Annual Percentage Yield (APY) is variable and subject to change after opening without notice. Charges and fees may reduce earnings.
APY = Annual Percentage Yield
|
FDIC Insured - Backed by the full faith and credit of the U.S. Government.