Deposit Rates


Rates shown are effective as of 8/25/2016

Certificate of Deposit Interest Rate Annual Percentage Yield (APY) Minimum to Earn Annual Percentage Yield (APY) Minimum To Open
6 - 8 Month CD 0.20% 0.20% $500.00 $500.00
9-11 Month CD 0.20% 0.20% $500.00 $500.00
12 - 23 Month CD 0.25% 0.25% $500.00 $500.00
24 - 35 Month CD 0.55% 0.55% $500.00 $500.00
24 Month Option CD* 1.14% 1.15% $500.00 $500.00
36 - 47 Month CD 0.80% 0.80% $500.00 $500.00
48 - 59 Month CD 1.00% 1.00% $500.00 $500.00
60 Month CD 1.19% 1.20% $500.00 $500.00

*Certificate of Deposit is available for those who open or have an existing checking account relationship. The minimum amount to open a personal checking account is $50.00. Fees may reduce earnings on your account. See schedule of fees for further details.

Rates shown are effective as of 8/25/2016

Individual Retirement Term Interest Rate Annual Percentage Yield (APY) Minimum to Earn Annual Percentage Yield (APY) Minimum To Open
12 - 17 Month IRA CD 0.25% 0.25% $500.00 $500.00
18 - 23 Month IRA CD 0.25% 0.25% $500.00 $500.00
24 - 35 Month IRA CD 0.55% 0.55% $500.00 $500.00
24 Month Option IRA CD 1.14% 1.15% $500.00 $500.00
36 - 47 Month IRA CD 0.80% 0.80% $500.00 $500.00
48-59 Month IRA CD 1.00% 1.00% $500.00 $500.00
60 Month IRA CD 1.19% 1.20% $500.00 $500.00
Variable Rate IRA 0.20% 0.20% $5.00 $100.00

Rates shown are effective as of 8/25/2016

Product Minimum to Earn Annual Percentage Yield (APY) Interest Rate Annual Percentage Yield (APY) Minimum To Open
Benefits Savings $1 - $999.99 0.05% 0.05% $10.00
$1,000 + 0.05% 0.05% $10.00
Prime MMKT $1 - $999.99 0.03% 0.03% $100.00
$1,000 - $9,999.99 0.05% 0.05% $100.00
$10,000 - $24,999.99 0.10% 0.10% $100.00
$25,000 - $49,999.99 0.15% 0.15% $100.00
$50,000 - $99,999.99 0.20% 0.20% $100.00
$100,000 - $249,999.99 0.25% 0.25% $100.00
$250,000+ 0.35% 0.35% $100.00
Premier Savings $1 - $4,999.99 0.05% 0.05% $10.00
$5,000 - $19,999.99 0.06% 0.06% $10.00
$20,000+ 0.07% 0.07% $10.00
Essential Savings $1 0.05% 0.05% $10.00
Target Savings $1 0.05% 0.05% $10.00
Benefits Checking $1 - $499.99 0.03% 0.03% $50.00
$500+ 0.05% 0.05% $50.00
Premier Checking $0.00 - $999.99 0.00% 0.00% $1,000.00
$1,000.00 - $9,999.99 0.05% 0.05% $1,000.00
$10,000.00 - $49,999.99 0.10% 0.10% $1,000.00
$50,000.00 - $99,999.99 0.15% 0.15% $1,000.00
$100,000.00 - $199,999.99 0.20% 0.20% $1,000.00
$200,000+ 0.25% 0.25% $1,000.00
Generations Checking $500 0.08% 0.08% $50.00
Health Savings Account (HSA) $1 - $999.99 0.25% 0.25% $100.00
$1,000 - $2,499.99 0.49% 0.49% $100.00
$2,500+ 0.99% 0.99% $100.00
Essential Business Savings $1 - $999.99 0.02% 0.02% $100.00
$1,000 + 0.05% 0.05% $100.00
Prime Business MMKT $1 - $24,999.99 0.05% 0.05% $100.00
$25,000 - $49,999.99 0.10% 0.10% $100.00
$50,000 - $99,999.99 0.15% 0.15% $100.00
$100,000 - $249,999.99 0.20% 0.20% $100.00
$250,000 - $499,999.99 0.30% 0.30% $100.00
$500,000 - $999,999.99 0.45% 0.45% $100.00
$1,000,000+ 0.50% 0.50% $100.00
Benefits Business Checking $0 - $499.99 0.000% 0.000% $100.00
$500 - $4,999.99 0.05% 0.05% $100.00
$5,000 - $19,999.99 0.05% 0.05% $100.00
$20,000+ 0.05% 0.05% $100.00
IOLTA - CT $1.00 0.50% 0.50% $50.00
IOLTA - MA $1 - $49,999.99 0.05% 0.05% $50.00
$50,000 - $499,999.99 0.15% 0.15% $50.00
$500,000 - $999,999.99 0.55% 0.55% $50.00
$1,000,000+ 0.55% 0.55% $50.00
IORETA - CT $1.00 0.40% 0.40% $50.00
Commercial Account Earnings Credit Rate N/A 0.25% 0.25% N/A

CD and IRA CD Rates: Withdrawals made before maturity date may be subject to either Regulatory or Bank Imposed penalties. Regulatory Penalty: Regulation D penalty is 7 days’ simple interest on the amount withdrawn and applies to: 1) Withdrawals made within 7 days of opening a time account including the opening day. 2) Withdrawals made within 7 days of any deposits or withdrawals to or from your account, including the transaction day. 3) Withdrawals made within the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of matured CD or IRA CD. Bank Imposed Penalty: Withdrawals made other than those described under Regulation D penalty are subject to the early withdrawal fee below: 1) If your account has an original maturity of one year or less, the fee we may impose will equal 90 days interest on the amount withdrawn. 2) If your account has an original maturity of more than one year, the fee we may impose will equal 180 days interest on the amount withdrawn. The APY assumes that the interest remains on deposit until maturity. Interest Rates and APYs for CDs and IRA CDs are fixed for the term of the account. Fees – including early withdrawal penalties - may reduce earnings. Please refer to the Schedule of Fees for details.

IRA Savings, Savings, Checking, and HSA Account Rates: Rates are variable and subject to change without notice. Fees may reduce earnings. Please refer to the Schedule of Fees for details.

Tiered-Rate Accounts: Interest is paid on the entire balance within each tier.

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