Checking & Savings Rates

Rates accurate as of November 1, 2018.

Personal Checking Accounts

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*

*APY is Annual Percentage Yield.  Minimum 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.

C1st Free Checking 0.000% 0.00% - -
Your Voice Checking 0.200% 0.20% - -
C1st Interest Checking 0.200% 0.20% - -
Platinum Checking 0.399% 0.40% $1,000 $1,000
Golden Opportunity Checking 0.200% 0.20% - -

Kasasa Accounts

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*

*APY is Annual Percentage Yield.  Dividends computed using Daily Balance Method.  Dividends compounded monthly.  Fees could reduce earnings.  To qualify per monthly qualification cycle, you must: 1) make 12 debit card (non-ATM) transactions; 2) be enrolled in and log in to online banking at least once per cycle; 3) be enrolled in and receive eStatements.  Rates subject to change at any time.  

Kasasa Cash: Qualifications Met 2.960% 3.00% - -
Kasasa Cash: Qualifications Met 0.150% 0.15% - $15,001
Kasasa Cash: Qualifications Not Met 0.030% 0.03% - -
Kasasa Cash Back 0.000% 0.00% - -
Kasasa Saver: Qualifications Met 0.499% 0.50% - -
Kasasa Saver: Qualifications Met 0.250% 0.25% - $15,001
Kasasa Saver: Qualifications Not Met 0.030% 0.03% - -

Business Checking Accounts

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*

*APY is Annual Percentage Yield.  Minimum 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.

C1st Free Business Checking 0.000% 0.00% - -
Business Interest Checking 0.200% 0.20% $2,500 $2,500
Commercial Checking 0.399% 0.40% - -

Money Market Account

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*

*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.

Money Market 0.250% 0.25% $2,500 $2,500
Money Market 0.549% 0.55% $2,500 $25,001
Money Market 0.747% 0.75% $2,500 $50,001
Money Market 0.946% 0.95% $2,500 $100,001
Money Market 1.243% 1.25% $2,500 $250,001

IRA Shares

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*

*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.

IRA 0.996% 1.00% $100 $100

Savings Accounts

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*

*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.

Primary Savings 0.150% 0.15% $5 $5
Secondary Savings 0.150% 0.15% - -
Golden Opportunity Club 0.996% 1.00% $1,000 $1,000

Christmas Club

0.200%

0.20%

-

-

Certificate Accounts

Name Dividend Rate APY* Minimum Opening Deposit Minimum Balance to Earn Stated APY*

*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. 

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 1.985% 2.00% $500 $500
36 Month 2.084% 2.10% $500 $7,501
36 Month 2.379% 2.40% $500 $15,001
36 Month 2.477% 2.50% $500 $50,001
48 Month 2.084% 2.10% $500 $500
48 Month 2.182% 2.20% $500 $7,501
48 Month 2.477% 2.50% $500 $15,001
48 Month 2.575% 2.60% $500 $50,001
60 Month 2.231% 2.25% $500 $500
60 Month 2.330% 2.35% $500 $7,501
60 Month 2.624% 2.65% $500 $15,001
60 Month 2.722% 2.75% $500 $50,001

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