Deposit Rates

View Loans Rates

*APY = Annual Percentage Yield

All (personal and business) loan and deposit rates are effective from 10/21/2014 thru 10/27/2014.

Deposit Rates

Vantage Checking*

BalanceRateAPY
$0.01 - $25,0001.00%1.00%
Greater than $25,0000.25%1.00% - 0.40%
If qualifications not met0.01%0.01%

Qualifications for Vantage Checking

In order to receive the Vantage Rewards, simply do the following each monthly qualification cycle:

  • Be enrolled and receive eStatement notice
  • Have one direct deposit or automatic payment (ACH) post and settle
  • Have at least 12 debit card purchases post and settle

Other Deposit Rates

Type / TermMinimum Balance RequiredRateAPY
Relationship Checking & 55 and Better - Interest is compounded monthly.
55 and Better$0.010.05%0.05%
Relationship Checking$0.010.05%0.05%
NOW State & Business Interest Checking - Interest is compounded monthly. $1,000 minimum deposit to open.

NOW State & Business Interest - Tier 1

NOW State & Business Interest - Tier 2

NOW State & Business Interest - Tier 3

$0.01

$10,000

$100,000

0.05%

0.10%

0.15%

0.05%

0.10%

0.15%

Health Savings Account - Interest is compounded monthly. $25 minimum deposit to open.

Health Savings Account - Tier 1

Health Savings Account - Tier 2

Health Savings Account - Tier 3

$0.01

$1,000

$10,000

0.05%

0.10%

0.15%

0.05%

0.10%

0.15%

Statement Savings - Interest compounded quarterly. $25 minimum deposit to open

Regular Savings - Tier 1

Regular Savings - Tier 2

Regular Savings - Tier 3

No Checking Account Required

$200

$10,000

$100,000

0.05%

0.10%

0.15%

0.05%

0.10%

0.15%

Money Market Investor for Person or Business - Interest is compounded monthly. $2,500 minimum deposit to open.

Money Market Investor - Tier 1

Money Market Investor - Tier 2

Money Market Investor - Tier 3

Money Market Investor - Tier 4

Money Market Investor - Tier 5

$0.01

$5,000

$10,000

$50,000

$100,000

0.05%

0.05%

0.10%

0.10%

0.10%

0.05%

0.05%

0.10%

0.10%

0.10%

Money Market Investor for State or Political - Interest is compounded monthly. $2,500 minimum deposit to open.

Money Market Investor - Tier 1

Money Market Investor - Tier 2

Money Market Investor - Tier 3

Money Market Investor - Tier 4

Money Market Investor - Tier 5

$0.01

$5,000

$10,000

$50,000

$100,000

0.05%

0.05%

0.10%

0.10%

0.10%

0.05%

0.05%

0.10%

0.10%

0.10%

Natural Energy Flex Account Money Market Investor - Interest is compounded monthly.

Money Market Flex Account - Tier 1

Money Market Flex Account - Tier 2

Money Market Flex Account - Tier 3

Money Market Flex Account - Tier 4

Money Market Flex Account - Tier 5

Money Market Flex Account - Tier 6

Money Market Flex Account - Tier 7

This fund exclusively for proceeds from natural energy resources

$0.01

$10,000

$25,000

$50,000

$100,000

$250,000

$500,000

-

0.05%

0.10%

0.25%

0.45%

0.65%

0.70%

0.75%

-

0.05%

0.10%

0.25%

0.45%

0.65%

0.70%

0.75%

-

Certificates of Deposit

A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded quarterly.

Certificates of Deposit

TypeMinimum Balance Required1RateAPY

1 - 5 Month CD - Tier 1

1 - 5 Month CD - Tier 2

1 - 5 Month CD - Tier 3

1 - 5 Month CD - Tier 4

1 - 5 Month CD - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.05%

0.10%

0.15%

0.20%

0.25%

0.05%

0.10%

0.15%

0.20%

0.25%

6 - 11 Month CD - Tier 1

6 - 11 Month CD - Tier 2

6 - 11 Month CD - Tier 3

6 - 11 Month CD - Tier 4

6 - 11 Month CD - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.10%

0.15%

0.20%

0.25%

0.35%

0.10%

0.15%

0.20%

0.25%

0.35%

12 - 23 Month CD - Tier 1

12 - 23 Month CD - Tier 2

12 - 23 Month CD - Tier 3

12 - 23 Month CD - Tier 4

12 - 23 Month CD - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.15%

0.20%

0.25%

0.30%

0.40%

0.15%

0.20%

0.25%

0.30%

0.40%

24-35 Month CD - Tier 1

24-35 Month CD - Tier 2

24-35 Month CD - Tier 3

24-35 Month CD - Tier 4

24-35 Month CD - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.20%

0.25%

0.30%

0.35%

0.50%

0.20%

0.25%

0.30%

0.35%

0.50%

36-47 Month CD - Tier 1

36-47 Month CD - Tier 2

36-47 Month CD - Tier 3

36-47 Month CD - Tier 4

36-47 Month CD - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.25%

0.70%

0.80%

0.85%

0.90%

0.25%

0.70%

0.80%

0.85%

0.90%

48-59 Month CD - Tier 1

48-59 Month CD - Tier 2

48-59 Month CD - Tier 3

48-59 Month CD - Tier 4

48-59 Month CD - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.50%

1.00%

1.15%

1.20%

1.25%

0.50%

1.00%

1.15%

1.21%

1.26%

60 Month CD - Tier 1

60 Month CD - Tier 2

60 Month CD - Tier 3

60 Month CD - Tier 4

60 Month CD - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.80%

1.35%

1.45%

1.50%

1.55%

0.80%

1.36%

1.46%

1.51%

1.56%

66 Month CD - Tier 1

66 Month CD - Tier 2

66 Month CD - Tier 3

66 Month CD - Tier 4

66 Month CD - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.90%

1.45%

1.55%

1.60%

1.65%

0.90%

1.46%

1.56%

1.61%

1.66%

72 Month CD - Tier 1

72 Month CD - Tier 2

72 Month CD - Tier 3

72 Month CD - Tier 4

Checking Required

$10,000

$25,000

$50,000

$100,000

1.55%

1.75%

1.90%

2.00%

1.56%

1.76%

1.91%

2.02%

1 Year Easy Access CD - Tier 1

1 Year Easy Access CD - Tier 2

$5,000

$100,000

0.15%

0.20%

0.15%

0.20%

30 Mo Breakable CD - Tier 1

30 Mo Breakable CD - Tier 2

Checking Required

$5,000

$100,000

0.40%

0.55%

0.40%

0.55%

Individual Retirement Account (IRA) Certificates of Deposit

IRAs insured separately to $250,000 from other deposits. Interest is compounded annually.

Individual Retirement Account (IRA)

Term / TypeMinimum Balance Required1RateAPY

6-11 Month IRA - Tier 1

6-11 Month IRA - Tier 2

6-11 Month IRA - Tier 3

6-11 Month IRA - Tier 4

6-11 Month IRA - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.05%

0.10%

0.15%

0.20%

0.25%

0.05%

0.10%

0.15%

0.20%

0.25%

12-23 Month IRA - Tier 1

12-23 Month IRA - Tier 2

12-23 Month IRA - Tier 3

12-23 Month IRA - Tier 4

12-23 Month IRA - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.10%

0.15%

0.20%

0.25%

0.35%

0.10%

0.15%

0.20%

0.25%

0.35%

24-35 Month IRA - Tier 1

24-35 Month IRA - Tier 2

24-35 Month IRA - Tier 3

24-35 Month IRA - Tier 4

24-35 Month IRA - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.20%

0.25%

0.30%

0.35%

0.50%

0.20%

0.25%

0.30%

0.35%

0.50%

36-47 Month IRA - Tier 1

36-47 Month IRA - Tier 2

36-47 Month IRA - Tier 3

36-47 Month IRA - Tier 4

36-47 Month IRA - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.25%

0.50%

0.70%

0.75%

0.80%

0.25%

0.50%

0.70%

0.75%

0.80%

48-59 Month IRA - Tier 1

48-59 Month IRA - Tier 2

48-59 Month IRA - Tier 3

48-59 Month IRA - Tier 4

48-59 Month IRA - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.50%

1.00%

1.15%

1.20%

1.25%

0.50%

1.00%

1.15%

1.20%

1.25%

60 Month IRA - Tier 1

60 Month IRA - Tier 2

60 Month IRA - Tier 3

60 Month IRA - Tier 4

60 Month IRA - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.80%

1.35%

1.45%

1.50%

1.55%

0.80%

1.35%

1.45%

1.50%

1.55%

66 Month IRA - Tier 1

66 Month IRA - Tier 2

66 Month IRA - Tier 3

66 Month IRA - Tier 4

66 Month IRA - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.90%

1.45%

1.55%

1.60%

1.65%

0.90%

1.45%

1.55%

1.60%

1.65%

72 Month IRA - Tier 1

72 Month IRA - Tier 2

72 Month IRA - Tier 3

72 Month IRA - Tier 4

Checking Required

$10,000

$25,000

$50,000

$100,000

1.55%

1.75%

1.90%

2.00%

1.55%

1.75%

1.90%

2.00%

12 Month Variable IRA - Tier 1

12 Month Variable IRA - Tier 2

Rate May Change

$5,000

$100,000

0.15%

0.20%

0.15%

0.20%

30 Month IRA - Tier 1

30 Month IRA - Tier 2

30 Month IRA - Tier 3

30 Month IRA - Tier 4

30 Month IRA - Tier 5

$500

$10,000

$25,000

$50,000

$100,000

0.25%

0.45%

0.65%

0.70%

0.75%

0.25%

0.45%

0.65%

0.70%

0.75%

36 Month Variable IRA - Tier 1

36 Month Variable IRA - Tier 2

$500

$100,000

0.35%

0.55%

0.35%

0.55%

* APY is annual percentage yield.

The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Rates may change after an account is opened. Fees may reduce earnings.

Minimum balance is the minimum deposit to obtain the annual percentage yield.

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