RATES

Rates are subject to change at any time. Please contact your nearest branch location for rate information and for any questions you may have about our accounts.

To view rate information click on the links below.


 

Checking Accounts

Account Type 

Balance Tiers 

APY* 

Interest Rate 

Minimum to Earn APY* 

Active Plus Checking 

$.01-$4,999.99 

0.05% 

0.05% 

$0.00 

 

$5,000- $24,999.99 

0.05% 

0.05% 

$0.00 

 

$25,000- $99,999.99 

0.10% 

0.10% 

$0.00 

 

$100,000 and above 

0.10% 

0.10% 

$0.00 

Experience Plus Checking 

$.01-$4,999.99 

0.05% 

0.05% 

$0.00 

 

$5,000- $24,999.99 

0.05% 

0.05% 

$0.00 

 

$25,000- $99,999.99 

0.10% 

0.10% 

$0.00 

 

$100,000 and above 

0.10% 

0.10% 

$0.00 

Business Plus Checking 

$.01-$4,999.99 

0.05% 

0.05% 

$0.00 

 

$5,000- $24,999.99 

0.05% 

0.05% 

$0.00 

 

$25,000- $99,999.99 

0.10% 

0.10% 

$0.00 

 

$100,000 and above 

0.10% 

0.10% 

$0.00 

Community Plus Checking 

$.01-$4,999.99 

0.05% 

0.05% 

$0.00 

 

$5,000- $24,999.99 

0.05% 

0.05% 

$0.00 

 

$25,000- $99,999.99 

0.10% 

0.10% 

$0.00 

 

$100,000 and above 

0.10% 

0.10% 

$0.00 

Peak Performance Money Market 

$.01 - $24,999.99 

0.05% 

0.05% 

$0.00 

 

$25,000 - $49,999.99 

0.10% 

0.10% 

$0.00 

 

$50,000 - $99,999.99 

0.10% 

0.10% 

$0.00 

 

$100,000 and above 

0.20% 

0.20% 

$0.00 

*APY = Annual Percentage Yield
These are variable rate accounts, subject to change on any banking day.
Fees could reduce earnings on these accounts.

Savings Accounts

Account Type 

Balance Tiers 

APY* 

Interest Rate 

Minimum to Earn APY* 

Savings  N/A  0.05%  0.05%  $0.00 
Centsables Savings  N/A  0.05%  0.05%  $0.00 
Christmas Club Savings  N/A  0.05%  0.05%  $0.00 

*APY = Annual Percentage Yield
This is a variable rate account, subject to change on any banking day.
Fees could reduce earnings on this account.

Certificates of Deposit

Account Type 

APY* 

Interest Rate 

Minimum to Open 

Minimum to Earn APY* 

91 Day 

.05% 

.05% 

$1,000.00 

$1,000.00 

182 Day 

.10% 

.10% 

$1,000.00 

$1,000.00 

12 Month 

.20% 

.20% 

$1,000.00 

$1,000.00 

18 Month 

.25% 

.25% 

$1,000.00 

$1,000.00 

24 Month 

.35% 

.35% 

$1,000.00 

$1,000.00 

30 Month 

.40% 

.40% 

$1,000.00 

$1,000.00 

36 Month 

.55% 

.55% 

$1,000.00 

$1,000.00 

48 Month 

.75% 

.75% 

$1,000.00 

$1,000.00 

60 Month 

1.00% 

1.00% 

$1,000.00 

$1,000.00 

*APY = Annual Percentage Yield
Fees could reduce earnings on these accounts.
A penalty will be imposed for early withdrawals on accounts.

IRA Certificates of Deposit

Account Type 

APY* 

Interest Rate 

Minimum to Open 

Minimum to Earn APY* 

12 Month 

.20% 

.20% 

$500.00 

$500.00 

18 Month 

.25% 

.25% 

$500.00 

$500.00 

24 Month 

.35% 

.35% 

$500.00 

$500.00 

30 Month 

.40% 

.40% 

$500.00 

$500.00 

36 Month 

.55% 

.55% 

$500.00 

$500.00 

48 Month 

.75% 

.75% 

$500.00 

$500.00 

60 Month 

1.00% 

1.00% 

$500.00 

$500.00 

*APY = Annual Percentage Yield
Fees could reduce earnings on these accounts.
A penalty will be imposed for early withdrawals on accounts.

BCT makes it easy to manage your financial life. And here’s another way - use these calculators to quickly figure how much to save for retirement, budget for your new car payment, or balance your personal budget.