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Checking & Savings Rates

These rates accurate as of April 1, 2014

MEMBER CHECKING Annual Percentage Yield Minimum Balance Requirement Earnings Range
C1st Free Checking
No Dividend $0 NA
Your Voice Checking
0.20% $0 $0.01 +
C1st Interest Checking
0.20% $0 $0.01 +
Platinum Checking
0.50% $1,000 $1,000 +
Golden Opportunity Checking
0.20% $0 $0.01 +
*Minumum daily average, dividends will be compounded and credited monthly. Dividends are calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield. Rates may vary after the account is opened. Fees may be assessed if minimum balance requirement is not maintained. Fees could reduce earnings on the account.  APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

BUSINESS CHECKING Annual Percentage Yield Minimum Balance Requirement Earnings Range
C1st Free Business Checking
No Dividend $0 NA
Business Interest Checking
0.20% $2,500 $2,500 +
Commercial Checking
0.50% $0 $0.01 +
*Minumum daily average, dividends will be compounded and credited monthly. Dividends are calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield. Rates may vary after the account is opened. Fees may be assessed if minimum balance requirement is not maintained. APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

MONEY MARKET ACCOUNT Annual Percentage Yield Minimum Balance Requirement Earnings Range
Money Market
0.15% $2,500 $2,500 - $25,000
Money Market
0.40% $25,001 $25,001+
*Dividends will be compounded monthly. Interest is calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield (fee if drops below min.). Fees could reduce earnings on the account.  Rates may vary after the account is opened. APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

IRA SHARES Annual Percentage Yield Minimum Balance Requirement Earnings Range
IRA
1.00% $100 NA
*Dividends will be compounded and credited quarterly. Dividends are calculated by the daily balance method (fee if drops below min.). Withdrawals may be subject to early withdrawal penalties, and to tax and penalty, according to IRS Regulations. Fees could reduce earnings on the account.  Rates may vary after the account is opened. APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

SAVINGS Annual Percentage Yield Minimum Balance Requirement Earnings Range
Christmas Club
0.20% $1 $1 +
Regular Share Savings & Secondary Shares
0.15% $5 $5 - $2,500
Regular Share Savings & Secondary Shares
0.20% $2,501 $2,501 +
Golden Opportunity Club
0.60% $1,000 $1,000 +
*Dividends will be compounded and credited quarterly (rather than monthly). If during any time your account falls below the required minimum daily balance, your account will be subject to a service fee. Fees could reduce earnings on the account.  Rates may vary after the account is opened. APY accurate as of the last dividend declaration date.  Rates subject to change at any time.

Certificates of Deposit or 
IRA Certificates of Deposit
Annual Percentage Yield Minimum Balance To Earn APY Earnings Range
03 Month CD 0.15% $500 $500 - $7,500
03 Month CD
0.20% $7,501 $7,501 +
06 Month CD
0.20% $500 $500 - $7,500
06 Month CD
0.30% $7,501 $7,501 +
Dollar Dog Club 12 Month CD
(Add-ons in $100 minimum increments permitted)
0.30% $250 $250 +
12 Month CD/IRA CD
0.30% $500 $500 - $7,500
12 Month CD/IRA CD
0.40% $7,501 $7,501 - $15,000
12 Month CD/IRA CD
0.70% $15,001 $15,001 - $50,000
12 Month CD/IRA CD
0.80% $50,001 $50,001 +
24 Month CD/IRA CD
0.60% $500 $500 - $7,500
24 Month CD/IRA CD
0.70% $7,501 $7,501 - $15,000
24 Month CD/IRA CD
1.00% $15,001 $15,001 - $50,000
24 Month CD/IRA CD
1.10% $50,001 $50,001 +
36 Month CD/IRA CD
0.90% $500 $500 - $7,500
36 Month CD/IRA CD 1.00% $7,501 $7,501 - $15,000
36 Month CD/IRA CD 1.30% $15,001 $15,001 - $50,000
36 Month CD/IRA CD
1.40% $50,001 $50,001 +
48 Month CD/IRA CD
1.10% $500 $500 - $7,500
48 Month CD/IRA CD 1.20% $7,501 $7,501 - $15,000
48 Month CD/IRA CD 1.50% $15,001 $15,001 - $50,000
48 Month CD/IRA CD
1.60% $50,001 $50,001 +
60 Month CD/IRA CD
1.45% $500 $500 - $7,500
60 Month CD/IRA CD 1.55% $7,501 $7,501 - $15,000
60 Month CD/IRA CD 1.85% $15,001 $15,001 - $50,000
60 Month CD/IRA CD
1.95% $50,001 $50,001 +
*Interest will be compounded and credited quarterly. Interest is calculated by the daily balance method. Penalties may be imposed for withdrawal of funds before maturity. Fees could reduce earnings on the account.  Not eligible for IRAs.  Rates subject to change at any time. CD Rates shown apply to amounts up to $250,000.  APY accurate as of April 1, 2014.