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Savings Rates

These rates accurate as of February 1, 2013.

MEMBER CHECKING Annual Percentage Yield Minimum To Open Earnings Range
C1st Checking
Students 1st Checking
Your Voice Checking

No Dividend

$0 $0 - $9,999
C1st Checking
Students 1st Checking
Your Voice Checking
0.15% $10,000 $10,000 +
       
Performance Checking
No Dividend $0 $0 - $999
Performance Checking
0.10% $1,000 $1,000 - $2,500
Performance Checking
0.25% $2,501 $2,501 - $10,000
Performance Checking
0.50% $10,001 $10,001 - $50,000
Performance Checking
0.75% $50,001 $50,001 +
       
Advantage & Golden Opportunity Checking
No Dividend $0 $0 - $999
Advantage & Golden Opportunity Checking
0.10% $1,000 $1,000 - $2,500
Advantage & Golden Opportunity Checking
0.25% $2,501 $2,501 - $10,000
Advantage & Golden
Opportunity Checking
0.60% $10,001 $10,001 - $50,000
Advantage & Golden Opportunity Checking
1.00% $50,001 $50,001 +
*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 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 To Open Earnings Range
C1st Business Checking
No Dividend $0 $0 - $25,000
C1st Business Checking
0.50% $25,001 $25,001 - $50,000
C1st Business Checking
0.75% $50,001 $50,001 +
       
Non-Profit Checking
No Dividend $0 $0 - $25,000
Non-Profit Checking
0.50% $25,001 $25,001 - $50,000
Non-Profit Checking
1.00% $50,001 $50,001 +
       
Business Plus Checking
0.10% $0 $0 - $25,000
Business Plus Checking
0.75% $25,001 $25,001 - $50,000
Business Plus Checking
1.25% $50,001 $50,001 - $100,000
Business Plus Checking
1.50% $100,001 $100,001 +
*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 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 To Open Earnings Range
Money Market
0.25% $2,500 $2,500 - $25,000
Money Market
0.50% $25,001 $25,001 - $50,000
Money Market
0.75% $50,001 $50,001 +
*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 To Open Earnings Range
IRA
1.25% $100 N/A
*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 To Open Earnings Range
Christmas Club
0.25% $1 $1 +
Regular Share Savings & Secondary Shares
0.15% $5 $5 - $2,500
Regular Share Savings & Secondary Shares
0.25% $2,501 $2,501 +
Golden Opportunity Club
0.75% $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 0.25% $500 $500 - $7,500
03 Month CD
0.35% $7,501 $7,501 +
 
06 Month CD
0.35% $500 $500 - $7,500
06 Month CD
0.45% $7,501 $7,501 +
 
Dollar Dog Club 12 Month CD
(Add-ons in $100 minimum increments permitted)
0.50% $250 $250 +
 
12 Month CD/IRA CD
0.50% $500 $500 - $7,500
12 Month CD/IRA CD
0.60% $7,501 $7,501 - $15,000
12 Month CD/IRA CD
0.90% $15,001 $15,001 - $50,000
12 Month CD/IRA CD
1.00% $50,001 $50,001 +
 
     
24 Month CD/IRA CD
0.90% $500 $500 - $7,500
24 Month CD/IRA CD
1.00% $7,501 $7,501 - $15,000
24 Month CD/IRA CD
1.30% $15,001 $15,001 - $50,000
24 Month CD/IRA CD
1.40% $50,001 $50,001 +
 
36 Month CD/IRA CD
1.20% $500 $500 - $7,500
36 Month CD/IRA CD 1.30% $7,501 $7,501 - $15,000
36 Month CD/IRA CD 1.60% $15,001 $15,001 - $50,000
36 Month CD/IRA CD
1.70% $50,001 $50,001 +
 
48 Month CD/IRA CD
1.40% $500 $500 - $7,500
48 Month CD/IRA CD 1.50% $7,501 $7,501 - $15,000
48 Month CD/IRA CD 1.80% $15,001 $15,001 - $50,000
48 Month CD/IRA CD
1.90% $50,001 $50,001 +
 
60 Month CD/IRA CD
1.60% $500 $500 - $7,500
60 Month CD/IRA CD 1.70% $7,501 $7,501 - $15,000
60 Month CD/IRA CD 2.00% $15,001 $15,001 - $50,000
60 Month CD/IRA CD
2.10% $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 February 1, 2013.