Checking & Savings Rates

Rates accurate as of February 6, 2017.

NEW!!   Bump-Up Certificate Account Special!!**

Name APY* Minimum
Opening Deposit
Minimum Balance
to Earn Interest
18 Month Bump-Up 1.15% $500 $500
18 Month Bump-Up 1.25% $500 $7,501
18 Month Bump-Up 1.55% $500 $15,001
18 Month Bump-Up 1.80% $500 $50,001
30 Month Bump-Up 1.50% $500 $500
30 Month Bump-Up 1.60% $500 $7,500
30 Month Bump-Up 1.90% $500 $15,001
30 Month Bump-Up 2.00% $500 $50,001
*APY: Annual Percentage Yield.  **Bump-Up certificate account features a rate increase option that allows you to increase your interest rate and APY one time during the term of the certificate account.   If you choose to exercise the rate increase option, the interest rate and APY for the remaining term of your bump up certificate account will be determined as follows: 
  • 18 month bump-up certificates will reprice to the 24 month certificate account rates for the remainder of the 18 month term. 
  • 30 month bump-up certificates will reprice to the 36 month certificate account rates for the remainder of the 30 month term. 

Limited time only.  Rates effective 2/6/2017 and subject to change at any time.  A penalty may be imposed for early withdrawal.  


Personal Checking Accounts

Name APY* Minimum Opening Deposit Minimum Balance to Earn Interest

*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 None - -
Your Voice Checking 0.20% - -
C1st Interest Checking 0.20% - -
Platinum Checking 0.40% $1,000 $1,000
Golden Opportunity Checking 0.20% - -

Kasasa Accounts

Name APY* Minimum Opening Deposit Minimum Balance to Earn Interest

*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 3.00% - -
Kasasa Cash: Qualifications Met 0.15% - $15,001
Kasasa Cash: Qualifications Not Met 0.03% - -
Kasasa Cash Back None - -
Kasasa Saver: Qualifications Met 0.50% - -
Kasasa Saver: Qualifications Met 0.25% - $15,001
Kasasa Saver: Qualifications Not Met 0.03% - -

Business Checking Accounts

Name APY* Minimum Opening Deposit Minimum Balance to Earn Interest

*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 None - -
Business Interest Checking 0.20% $2,500 $2,500
Commercial Checking 0.40% - -

Money Market Account

Name APY* Minimum Opening Deposit Minimum Balance to Earn Interest

*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 0.20% $2,500 $2,500
Money Market 0.50% $2,500 $25,001

IRA Shares

Name APY* Minimum Opening Deposit Minimum Balance to Earn Interest

*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 1.00% $100 $100

Savings Accounts

Name APY* Minimum Opening Deposit Minimum Balance to Earn Interest

*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.

Christmas Club 0.20% - -
Primary Savings 0.15% $5 $5
Secondary Savings 0.15% - -
Golden Opportunity Club 0.75% $1,000 $1,000

Certificate Accounts

Name APY* Minimum Opening Deposit Minimum Balance to Earn Interest

*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.  Not eligible for IRAs.  Rates subject to change at any time. Certificate Account rates shown apply to amounts up to $250,000. 

03 Month 0.20% $500 $500
03 Month 0.25% $500 $7501
06 Month 0.30% $500 $500
06 Month 0.40% $500 $7,501
06 Month 0.70% $500 $50,001
12 Month 0.65% $500 $500
12 Month 0.75% $500 $7,501
12 Month 1.05% $500 $15,001
12 Month 1.30% $500 $50,001
24 Month 0.85% $500 $500
24 Month 0.95% $500 $7,501
24 Month 1.25% $500 $15,001
24 Month 1.35% $500 $50,001
36 Month 1.15% $500 $500
36 Month 1.25% $500 $7,501
36 Month 1.55% $500 $15,001
36 Month 1.65% $500 $50,001
48 Month 1.35% $500 $500
48 Month 1.45% $500 $7,501
48 Month 1.75% $500 $15,001
48 Month 1.85% $500 $50,001
60 Month 1.70% $500 $500
60 Month 1.80% $500 $7,501
60 Month 2.10% $500 $15,001
60 Month 2.20% $500 $50,001


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