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Savings Rates

Savings Rates - APY is accurate as of Feb. 1, 2016

Checking Account
TypeMin. BalanceRateAPY
Universal Freedom 500 $500.00 0.05% 0.05%

Savings Accounts
TypeMin. BalanceRateAPY
Tier 1 $5.00 - -
Tier 2 $300.00 0.05% 0.05%
Tier 3 $10,000.01 0.10% 0.10%
Tier 4 $50,000.01 0.15% 0.15%
Vacation and Holiday $50.00 0.10% 0.10%

Money Market
TypeMin. BalanceRateAPY
Tier 1 $2,000.01 0.10% 0.10%
Tier 2 $10,000.01 0.10% 0.10%
Tier 3 $25,000.01 0.15% 0.15%

Health Savings Account
TypeMin. BalanceRateAPY
HSA - 2.50% 2.54%

Certificates
Effective Date: January 3, 2017
TermMin. BalanceRateAPY
6 & 7 Months $1,000.00 0.65% 0.65%
12 & 13 Months $500.00 0.90% 0.90%
12 Months Money Saver $25.00 0.25% 0.25%
18 Months $1,000.00 1.05% 1.06%
24 & 30 Months $1,000.00 1.20% 1.21%
36 Months $1,000.00 1.45% 1.46%
48 Months $1,000.00 1.80% 1.82%
60 Months $1,000.00 2.00% 2.02%
HSA 3 Month Certificate $1,000.00 3.00% 3.04%

IRAs
Effective Date: January 3, 2017
TermMin. BalanceRateAPY
12 Months $500.00 0.90% 0.90%
24 & 30 Months $1,000.00 1.20% 1.21%
48 Months $1,000.00 1.80% 1.82%
60 Months $1,000.00 2.00% 2.02%
Passbook - 0.25% 0.25%

APY = Annual Percentage Yield
Checking - 0.05% APY on the average daily balance of $500.00 or more, paid monthly.
Savings - Tiers 1-4 apply to Savings and Savings Plus accounts only. APY on the average daily balance of $300.00 or more on Savings and Savings Plus accounts, paid monthly. Dividends paid on $50.00 or more balances in Vacation and Holiday accounts.

Money Market - Dividends paid monthly. A minimum deposit of $2,000 is required to open the account. Fees could reduce earnings.
Certificates - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties.
IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties.

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