Checking and Savings

Account Product NameMinimum Opening DepositMinimum Balance to Earn APY**Interest RateAPY**
NOW Checking Accountb$100.00$1.00c0.00%0.00%
Passbook/Statement Savings b$10.00$100.00c0.35%0.35%
Christmas/Vacation Clubsb$1.00$1.00c0.35%0.35%
Kids’ Bank Savingsb$0.01$0.01c0.60%0.60%

Money Market Rates

Account Product NameMinimum Opening DepositMinimum Balance to Earn APY**Interest RateAPY**
Balances up to $2,499.99b$2,500.00$1.000.35%0.35%
Balances of $2,500.00 – $24,999.99b$2,500.00$2,500.000.40%0.40%
Balances of $25,000.00 – $49,999.99b$2,500.00$25,000.000.50%0.50%
Balances of $50,000.00 – $99,999.99b$2,500.00$50,000.000.75%0.75%
Balances of $100,000.00 and overb$2,500.00$100,000.001.00%1.00%

Health Savings Accounts

Account Product NameMinimum Opening DepositMinimum Balance to Earn APY**Interest RateAPY**
Health Savings Account  Up to $2,499.99b$100.00$1.000.15%0.15%
Health Savings Account Balances of $2,500.00 – $9,999.99b$100.00$2,500.000.20%0.20%
Health Savings Account Balances of $10,000.00 and overb$100.00$10,000.000.30%0.30%


Certificates of Deposit

Account Product NameMinimum Opening DepositMinimum Balance to Earn APY**Interest RateAPY**
91 Day CDa$2,500.00$2,500.00c0.25%0.25%
6-Month CDa$2,500.00$2,500.00c0.50%0.50%
1-year CDa$500.00$500.00c1.00%1.00%
13 Montha$500.00$500.00c3.93%4.00%
1 1/2 year CDa$500.00$500.00c1.24%1.25%
1 1/2 year variable (IRA Only)ab$10.00$10.00c1.24%1.25%
2-year CDa$500.00
$500.00
$25,000.00
c1.59%
1.84%
1.60%
1.85%
25 Month variable CDab$500.00
$500.00
$25,000.00
c1.59%
1.84%
1.60%
1.85%
3-year CDa$500.00
$500.00
$50,000.00
c1.84%
2.08%
1.85%
2.10%
5-year CDa$500.00
$500.00
$100,000.00
c1.98%
2.23%
2.00%
2.25%
Kids’ Bank
Variable Rate
5 Year CD
ab$250.00$250.00c1.00% 1.00%

All of the above fixed rate Certificates of Deposit are available within an IRA Plan. The minimum opening deposit for an IRA is $500.00 and the minimum balance to obtain the annual percentage yield is $500.00


**APY: Annual Percentage Yield

a) A penalty may be imposed for early withdrawal

b) The interest rate and annual percentage yield may change after account opening

c) Daily balance. The amount of the principal in the account each day. Fees could reduce the earnings on the account.