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Our Latest Personal Rates


Summary of Deposit Rates Offered

†Annual Percentage Yield and Simple Interest Rates specified are accurate as of 02/06/2014

 

-Rewards CD, Personal CD and IRA CD1

Rewards CD (i.e. Bronze and Silver Rewards Levels), Personal CD and IRA CD1

  $2,500 -
$49,999.99
$50,000 -
$99,999.99
$100,000 -
$499,999.99
$500,000 -
$999,999.99
$1,000,000
or more
Term Annual Percentage Yield / Simple Interest Rate†
30 - 60 days 0.10/0.10% 0.10/0.10% 0.10/0.10% 0.10/0.10% 0.10/0.10%
61 - 90 days 0.10/0.10% 0.10/0.10% 0.10/0.10% 0.10/0.10% 0.10/0.10%
91 - 179 days 0.10/0.10% 0.10/0.10% 0.10/0.10% 0.10/0.10% 0.10/0.10%
180 - 364 days 0.15/0.15% 0.15/0.15% 0.15/0.15% 0.15/0.15% 0.15/0.15%
1 yr - 23 mos 0.20/0.20% 0.25/0.25% 0.25/0.25% 0.25/0.25% 0.25/0.25%
2 yr - 35 mos 0.30/0.30% 0.35/0.35% 0.35/0.35% 0.35/0.35% 0.35/0.35%
3 yr - 47 mos 0.40/0.40% 0.45/0.45% 0.45/0.45% 0.45/0.45% 0.45/0.45%
4 yr - 59 mos 0.70/0.70% 0.75/0.75% 0.75/0.75% 0.75/0.75% 0.75/0.75%
5 yr 1.00/1.00% 1.11/1.10% 1.11/1.10% 1.11/1.10% 1.11/1.10%
Minimum to Open a CD: $2,500   Minimum to Open an IRA: $1,000

Rewards CD with Rewards Banking Gold Level Bonus1

  $1,000 -
$49,999.99
$50,000 -
$99,999.99
$100,000 -
$499,999.99
$500,000 -
$999,999.99
$1,000,000
or more
Term Annual Percentage Yield / Simple Interest Rate†
30 - 60 days 0.20/0.20% 0.20/0.20% 0.20/0.20% 0.20/0.20% 0.20/0.20%
61 - 90 days 0.20/0.20% 0.20/0.20% 0.20/0.20% 0.20/0.20% 0.20/0.20%
91 - 179 days 0.20/0.20% 0.20/0.20% 0.20/0.20% 0.20/0.20% 0.20/0.20%
180 - 364 days 0.25/0.25% 0.25/0.25% 0.25/0.25% 0.25/0.25% 0.25/0.25%
1 yr - 23 mos 0.30/0.30% 0.35/0.35% 0.35/0.35% 0.35/0.35% 0.35/0.35%
2 yr - 35 mos 0.40/0.40% 0.45/0.45% 0.45/0.45% 0.45/0.45% 0.45/0.45%
3 yr - 47 mos 0.50/0.50% 0.55/0.55% 0.55/0.55% 0.55/0.55% 0.55/0.55%
4 yr - 59 mos 0.80/0.80% 0.85/0.85% 0.85/0.85% 0.85/0.85% 0.85/0.85%
5 yr 1.11/1.10% 1.21/1.20% 1.21/1.20% 1.21/1.20% 1.21/1.20%
Minimum to Open a CD: $2,500

Rewards CD with Rewards Banking Platinum Level Bonus1

  $1,000 -
$49,999.99
$50,000 -
$99,999.99
$100,000 -
$499,999.99
$500,000 -
$999,999.99
$1,000,000
or more
Term Annual Percentage Yield / Simple Interest Rate†
30 - 60 days 0.30/0.30% 0.30/0.30% 0.30/0.30% 0.30/0.30% 0.30/0.30%
61 - 90 days 0.30/0.30% 0.30/0.30% 0.30/0.30% 0.30/0.30% 0.30/0.30%
91 - 179 days 0.30/0.30% 0.30/0.30% 0.30/0.30% 0.30/0.30% 0.30/0.30%
180 - 364 days 0.35/0.35% 0.35/0.35% 0.35/0.35% 0.35/0.35% 0.35/0.35%
1 yr - 23 mos 0.40/0.40% 0.45/0.45% 0.45/0.45% 0.45/0.45% 0.45/0.45%
2 yr - 35 mos 0.50/0.50% 0.55/0.55% 0.55/0.55% 0.55/0.55% 0.55/0.55%
3 yr - 47 mos 0.60/0.60% 0.65/0.65% 0.65/0.65% 0.65/0.65% 0.65/0.65%
4 yr - 59 mos 0.90/0.90% 0.95/0.95% 0.95/0.95% 0.95/0.95% 0.95/0.95%
5 yr 1.21/1.20% 1.31/1.30% 1.31/1.30% 1.31/1.30% 1.31/1.30%
Minimum to Open a CD: $2,500

Coverdell Education Savings (CESA) CD - [Not Available Online]

  $1,000 -
$49,999.99
$50,000 -
$99,999.99
$100,000 -
$499,999.99
$500,000 -
$999,999.99
$1,000,000
or more
Term Annual Percentage Yield / Simple Interest Rate†
12 months 0.20/0.20% 0.25/0.25% 0.25/0.25% 0.25/0.25% 0.25/0.25%
Minimum to Open: $1,000
+Money Market Accounts
Product Personal Money Market1 Personal Money Market with Rewards Banking Gold Level Bonus1 Personal Money Market with Rewards Banking Platinum Level Bonus1
  Annual Percentage Yield /
Simple Interest Rate
Annual Percentage Yield /
Simple Interest Rate
Annual Percentage Yield /
Simple Interest Rate
Less than $10,000 0.06% 0.06% 0.16% 0.16% 0.26% 0.26%
$10,000 - $24,999.99 0.08% 0.08% 0.18% 0.18% 0.28% 0.28%
$25,000 - $49,999.99 0.10% 0.10% 0.20% 0.20% 0.30% 0.30%
$50,000 - $99,999.99 0.13% 0.13% 0.23% 0.23% 0.33% 0.33%
$100,000 - $499,999.99 0.14% 0.14% 0.24% 0.24% 0.34% 0.34%
$500,000 - $999,999.99 0.14% 0.14% 0.24% 0.24% 0.34% 0.34%
$1,000,000 - $2,499,999.99 0.14% 0.14% 0.24% 0.24% 0.34% 0.34%
$2,500,000 - $4,999,999.99 0.14% 0.14% 0.24% 0.24% 0.34% 0.34%
$5,000,000+ 0.14% 0.14% 0.24% 0.24% 0.34% 0.34%
Minimum to Open: $100

Personal Investment Money Market

  Annual Percentage Yield / Simple Interest Rate
Less than $10,000 0.08% 0.08%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.12% 0.12%
$50,000 - $99,999.99 0.15% 0.15%
$100,000 - $499,999.99 0.18% 0.18%
$500,000 - $999,999.99 0.18% 0.18%
$1,000,000 - $2,499,999.99 0.18% 0.18%
$2,500,000 - $4,999,999.99 0.18% 0.18%
$5,000,000+ 0.18% 0.18%
Minimum to Open: $25,000
+Savings Accounts

Personal Investment Savings

  Annual Percentage Yield / Simple Interest Rate
Less than $2,500 0.00% 0.00%
$2,500 - $9,999.99 0.06% 0.06%
$10,000 - $24,999.99 0.08% 0.08%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $99,999.99 0.13% 0.13%
$100,000 or more 0.14% 0.14%
Minimum to Open: $10,000

Personal Savings

  Annual Percentage Yield / Simple Interest Rate
All Balances 0.03% 0.03%
Minimum to Open: $100

Minor Savings

  Annual Percentage Yield / Simple Interest Rate
All Balances 0.03% 0.03%
Minimum to Open: $1

Holiday Saver

  Annual Percentage Yield / Simple Interest Rate
All Balances 0.03% 0.03%
Minimum to Open: $20

Health Savings Account

  Annual Percentage Yield / Simple Interest Rate
Less than $5,000 0.03% 0.03%
$5,000 or more 0.03% 0.03%
Minimum to Open: $100

Retirement Savings - [Not Available Online]

  Annual Percentage Yield / Simple Interest Rate
All Balances 0.03% 0.03%
Minimum to Open: $100

Coverdell Education Savings (CESA) - [Not Available Online]

  Annual Percentage Yield / Simple Interest Rate
All Balances 0.03% 0.03%
Minimum to Open: $100
+Checking Accounts

Rewards Banking with Interest Checking and Personal Interest Checking

  Annual Percentage Yield / Simple Interest Rate
Less than $2,500 0.01% 0.01%
$2,500 - $9,999.99 0.02% 0.02%
$10,000 - $24,999.99 0.02% 0.02%
$25,000 - $49,999.99 0.02% 0.02%
$50,000 - $99,999.99 0.02% 0.02%
$100,000 or more 0.02% 0.02%
Minimum to Open: $100

 

† Annual Percentage Yield(APY). APY calculation assumes that funds will be held on deposit for 365 days with no rate change, fees assessed, withdrawals, or deposits made and will be applied to the entire collected balance of the applicable tier.

1 Bonus rates added to Personal Money Market and/or Rewards CD base interest rate are only valid for the time the customer remains at the required Rewards Banking Level. If a customer falls into a lower Rewards Level that does not receive the bonus rate (i.e. Silver Level), the customer's rate will revert to the normal Personal Money Market and/or Personal CD rate at that time. IRA CDs are NOT eligible for Rewards CD bonus rates. Customers may not combine promotional offers, rates, or other incentives with Rewards Banking bonus rates or discounts.

Please refer to the Understanding Your Deposit Account Agreement & Disclosures brochure for complete information about the terms and conditions that apply to deposit accounts and service. CD accounts earn interest at a fixed rate, except for Rewards CDs which earn interest at a variable rate. Fixed rate means that, after the CD is opened, you receive the applicable interest rate until the CD matures. The checking, savings, and money market accounts listed above are variable rate accounts. Variable rate means that at our discretion, we may change the Annual Percentage Yield / Simple Interest Rate on the account at any time.

Rewards CDs, Personal CDs, CESA CDs, IRA CDs: There is no minimum balance to obtain the disclosed APY. A penalty is imposed for early withdrawal. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. IRA Retirement CDs are only available to consumers.

Rewards Banking with Interest Checking, Personal Interest Checking, Personal Investment Money Market, Personal Money Market: There is no minimum balance to obtain the disclosed APY. This account is a tiered rate account. Maintenance or activity fees could reduce earnings.

Personal Investment Savings: To obtain the disclosed APY you must maintain a minimum daily collected balance of $2,500.00. You must also have or open a Bank checking account. This account is a tiered rate account. Maintenance or activity fees could reduce earnings.

Personal Savings, Minor Savings, Holiday Saver, Coverdell Education Savings, Retirement Savings, Health Savings Account: There is no minimum balance to obtain the disclosed APY. Maintenance or activity fees could reduce earnings.

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