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Rates

Annual Percentage Yield effective June 30, 2017. 
Rates are subject to change without notice.

Scroll to the left to view the rest of the table.

Deposits 

Account
Type
Minimum
Opening
Deposit
Minimum 
Balance to
Obtain APY
Interest
Rate
Annual
Percentage
Yield (APY)
Star Savings $10.00 $0.01 0.05% 0.05%
Holiday & Summer Club* $10.00 $0.01 0.05% 0.05%
Everyday Savings $100.00 $0.01 0.05% 0.05%
Money Market $1,000.00 $0.01 0.10% 0.10%
Money Market Plus $3,000.00 $0.01 0.16% 0.16%
Golden DeLUX Plus Checking $1,000.00 $1,000.00 0.05% 0.05%
Classic Plus Checking $500.00 $1,000.00 0.05% 0.05%
Investor's Choice 
$0.01 - $9,999.99
$10,000.00+

$10,000.00

$0.01
$10,000.00

0.05%
0.26%

0.05%
0.26%

Health Savings Account 
$0.01 - $4,999.99
$5,000.00 - $9,999.99
$10,000.00 - $14,9999.99
$15,000.00 +


$25.00

$0.01

0.05%
0.10%
0.16%
0.26%

0.05%
0.10%
0.16%
0.26%

Loyalty Checking^ 
(Qualifications Met)
$0.01 - $10,000.00
$10,000.01+



$100.00


$0.01
$10,000.01


2.96%
0.10%


3.00%
0.10%

Loyalty Checking^
(Qualifications Not Met)


$100.00

$0.01

0.05%

0.05%

Investor's Checking^ 
$0.01 - $4,999.99
$ 5,000.00 - $14,999.99
$15,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 +


$5,000.00

$0.01
$5,000.00
$15,000.00
$25,000.00
$50,000.00

0.05%
0.08%
0.12%
0.16%
0.26%

0.05%
0.08%
0.12%
0.16%
0.26%

Municipal Checking^
$0.01 - $249,999.99
$250,000.00+


$100.00

$0.01
$250,000.00

0.12%
0.18%

0.12%
0.18%

Business Select Plus Checking^
$0.01 - $25,000.00
$25,000.01 - $35,000.00
$35,000.01 - $45,000.00
$45,000.01 - $70,000.00
$70,000.01 +


$25,000.00

$0.00
$25,000.01
$35,000.01
$45,000.01
$70,000.01

0.00%
0.05%
0.08%
0.12%
0.16%

0.00%
0.05%
0.08%
0.12%
0.16%
Business Earnings Credit
$0.01 0.85% 0.85%

Variable Rate Information: Your interest rate and annual percentage yield may change.We may change the rate on your account at any time. Interest will be compounded daily and will be credited to the account every month.

*Interest will be compounded daily and will be credited to the account every 12 months. 

Fees could reduce earnings on the account.

^The interest rate listed in a tier will be paid for only that portion of your daily balance range that is within that tier. Interest will be compounded monthly and will be credited to the account monthly.

Interest rates have been rounded up to the nearest one-hundredth of one percentage point (0.01%) and expressed to two decimal places. 


Certificate of Deposits (CD)

Account
Type
Minimum
Opening
Deposit
Interest
Rate
Annual
Percentage
Yield (APY)
91 Day CD** $1,000.00 0.15% 0.15%
182 Day CD** $1,000.00 0.25% 0.25%
9 Month CD $1,000.00 0.30% 0.30%
12 Month CD Special $1,000.00 0.99%  1.00%
18 Month CD $1,000.00 0.60% 0.60%

24 Month CD 

$1,000.00 1.09% 1.10%

36 Month Star Saver CD

$250.001.19%1.20%
36 Month Bump Up CD $1,000.00 1.19% 1.20%
48 Month Bump Up CD $1,000.00 1.44% 1.45%
60 Month Star Saver CD $250.00 1.49% 1.50%

60 Month Rising Rate CD
0-12 Month
13-24 Month
25-36 Month
37-48 Month
49-60 Month


 $1,000.00

 1.24%
1.39%
1.69%
1.99%
2.47%

 1.25%
1.40%
1.70%
2.00%
2.50%



Certificate of Deposit (CD)/Individual Retirement Account (IRA) 

Account
Type
Minimum
Opening
Deposit
Interest
Rate
Annual
Percentage
Yield (APY)
182 Day CD/IRA** $1,000.00 0.25% 0.25%
9 Month CD/IRA $1,000.00 0.30% 0.30%
12 Month CD/IRA Special $1,000.00  0.99%  1.00%
18 Month CD/IRA $1,000.00 0.60% 0.60%
24 Month CD/IRA $1,000.00 1.09% 1.10%
30 Month CD/IRA $1,000.00 1.24% 1.25%
36 Month CD/IRA $1,000.00 1.34% 1.35%
48 Month CD/IRA $1,000.00 1.49% 1.50%
60 Month CD/IRA $1,000.00 1.63% 1.65%

Freedom IRA Special

$25.00 0.99% 1.00%

 

   

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance of the account each day.

Account disclosures containing additional terms and conditions are available at account opening or upon request. 

Fees could reduce the annual percentage yield on the account. 

Interest rates have been rounded up to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.

APY is based on principal plus interest reinvested at the same rate with interest credited at maturity. Substantial withdrawal penalty may be imposed for the early withdrawal of any Certificate of Deposit or IRA.

APY is based on interest compounding at the end of one month term except for the 91 day** and 182 day term**.

**Interest will not be compounded and will be credited to your account at maturity.