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Account Type APY* Interest Rate Minimum to Open Minimum Balance to Earn APY
Smart Checking 0.50% 0.50% $50 up to $15,000 Qualifying Balances

0.10% 0.10% $50 $15,000 & above Qualifying Balances

0.05% 0.05% $50 all Non-Qualifying Balances
Active Plus, Experience Plus, Community Plus 0.05% 0.05% $50 up to $25,000

0.10% 0.10% $50 $25,000 & above
Personal Money Market, Community Money Market, Business Money Market 0.05% 0.05% $50 up to $25,000

0.10% 0.10% $50 $25,000 - $99,999.99

0.20% 0.20% $50 $100,000 & above
Business Smart Choice 0.05% 0.05% $50 $0
*APY = Annual Percentage Yield. The APY and Interest Rate listed are as of July 1, 2017. These are variable rate accounts, subject to change on any banking day. Fees could reduce earnings on these accounts. 

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Account Type APY* Interest Rate Minimum to Open Minimum Balance to Earn APY
Statement Savings 0.05% 0.05% $50 $0
Centsables 0.05% 0.05% $10 $0
Christmas Club Savings 0.05% 0.05% $5 $0
*APY = Annual Percentage Yield. The APY and Interest Rate listed are as of July  1, 2017. These are variable rate accounts, subject to change on any banking day. Fees could reduce earnings on these accounts. 

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Time Accounts APY* Interest Rate Minimum to Open Minimum Balance to Earn APY
91 Day 0.10% 0.10% $1,000 $1,000
182 Day 0.15% 0.15% $1,000 $1,000
12 Month 0.25% 0.25% $1,000 $1,000
18 Month 0.40% 0.40% $1,000 $1,000
24 Month 0.50% 0.50% $1,000 $1,000
30 Month 0.60% 0.60% $1,000 $1,000
36 Month 0.80% 0.80% $1,000 $1,000
48 Month 1.00% 1.00% $1,000 $1,000
60 Month 1.26% 1.25% $1,000 $1,000
*APY = Annual Percentage Yield. The APY and Interest Rate listed are as of July 1, 2017. Rates subject to change on any banking day. A penalty may be imposed for early withdrawal. 

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Time Accounts APY* Interest Rate Minimum to Open Minimum Balance to Earn APY
12 Month 0.25% 0.25% $500 $500
18 Month 0.40% 0.40% $500 $500
24 Month 0.50% 0.50% $500 $500
30 Month 0.60% 0.60% $500 $500
36 Month 0.80% 0.80% $500 $500
48 Month 1.00% 1.00% $500 $500
60 Month 1.26% 1.25% $500 $500
*APY = Annual Percentage Yield. The APY and Interest Rate listed are as of July 1, 2017. Rates subject to change on any banking day. A penalty may be imposed for early withdrawal.