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Savings Rates

Rates accurate as of November 18, 2019.

Savings Accounts

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*
Primary Savings 0.150% 0.15%

$5

$5

Secondary Savings 0.150% 0.15% - -
ClubGo Savings 0.996% 1.00% $1,000 $1,000
Christmas Club 0.200% 0.20% - -
C1st Saver: Qualifications Met 0.499% 0.50% - -
C1st Saver: Qualifications Met 0.250% 0.25% - $15,001
C1st Saver: Qualifications Not Met 0.030% 0.03% - -

*APY is Annual Percentage Yield.  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.

QUALIFICATION CYCLE: To qualify, all transactions must post and clear your account during the monthly cycle which is defined as the calendar month; beginning on the first day of the current calendar month through the last day of the current calendar month.

C1st Saver: To qualify per monthly qualification cycle, you must: 1) make 12 debit card (non-ATM) transactions; 2) be enrolled in and log into online/mobile banking at least once per cycle; 3) be enrolled in and receive eStatements. A C1st Saver account must be linked to either a C1st Cash or C1st Cash Back checking account. 

Money Market Account

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*
Money Market 0.499% 0.50% $2,500 $2,500
Money Market 0.797%

0.80%

$2,500

 $25,001
Money Market 1.094%

1.10%

$2,500

 $50,001
Money Market 1.292%

1.30%

$2,500

 $100,001
Money Market 1.638%

1.65%

$2,500

 $250,001

*APY is Annual Percentage Yield.  Dividends will be compounded 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 (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

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*
IRA 0.996% 1.00% $100 $100

*APY is Annual Percentage Yield.  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.

Certificate Accounts

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*
03 Month 0.449%

0.45%

 $500 $500
03 Month 0.499% 0.50% $500 $7,501
06 Month 0.798% 0.80% $500 $500
06 Month 0.897% 0.90% $500 $7,501
06 Month 1.195% 1.20% $500 $50,001
12 Month 1.393% 1.40% $500 $500
12 Month 1.492% 1.50% $500 $7,501
12 Month 1.788% 1.80% $500 $15,001
12 Month 2.034% 2.05% $500 $50,001
18 Month 1.640% 1.65% $500 $500
18 Month 1.739% 1.75% $500 $7,501
18 Month 2.034% 2.05% $500 $15,001
18 Month 2.231% 2.25% $500 $50,001
24 Month 1.887% 1.90% $500 $500
24 Month 1.985% 2.00% $500 $7,501
24 Month 2.280% 2.30% $500 $15,001
24 Month 2.379% 2.40% $500 $50,001
36 Month 1.739% 1.75% $500 $500
36 Month 1.837% 1.85% $500 $7,501
36 Month 2.133% 2.15% $500 $15,001
36 Month 2.231% 2.25% $500 $50,001
48 Month 1.837% 1.85% $500 $500
48 Month 1.936% 1.95% $500 $7,501
48 Month 2.231% 2.25% $500 $15,001
48 Month 2.330% 2.35% $500 $50,001
60 Month 1.985% 2.00% $500 $500
60 Month 2.084% 2.10% $500 $7,501
60 Month 2.379% 2.40% $500 $15,001
60 Month 2.477% 2.50% $500 $50,001

*APY is Annual Percentage Yield.  Dividends will be compounded and credited quarterly. Dividends are calculated by the daily balance method. Penalties may be imposed for withdrawal of funds before maturity. Fees could reduce earnings on the account.  3 month and 6 month certificate accounts & specials are not available for IRA Investments.  Rates subject to change at any time. Certificate Account rates shown apply to amounts up to $250,000. 

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