Open Online Minimum Balance To Earn APY Annual Percentage Yield (APY) Minimum To Open
Personal
Direct Checking Plus† Open Now $75,000 and over 0.20% $25
$25,000 to $74,999.99 0.20% $25
$10,000 to $24,999.99 0.20% $25
$2,500 to $9,999.99 0.20% $25
Debit Card Checking†† Open Now $.01 to $1,000 0.85% $25
$1,000.01 to $2,500 0.60% $25
$2,500.01 to $5,000 0.35% $25
$5,000.01 and over 0.20% $25
Passbook / Statement Savings Open Now $25 0.25% $5
Money Club Share Savings   $5 0.25% $5
IRA Savings   $25 0.25% $25
High Yield Savings   $150,000 and over 0.35% $25,000
$75,000 to $149,999.99 0.35% $25,000
$50,000 to $74,999.99 0.35% $25,000
$25,000 to $49,999.99 0.35% $25,000
$25 to $24,999.99 0.25% $25,000
High Yield Money Market   $75,000 and over 0.35% $10,000
$35,000 to $74,999.99 0.35% $10,000
$10,000 to $34,999.99 0.35% $10,000
Statement Money Market Open Now $10,000 and over 0.35% $2,500
$2,500 to $9,999.99 0.35% $2,500
$25 to 2,499.99 0.25% $2,500
Business
Business High Yield Savings   $100,000 and over 0.45% $2,500
$50,000 to $99,999.99 0.45% $2,500
$10,000 to $49,999.99 0.45% $2,500
$2,500 to $9,999.99 0.45% $2,500
Business Statement Savings   $25 0.25% $5
Certificate Of Deposit
3 month** Open Now 0.50% $1,000
6 month** Open Now 0.50% $1,000
9 month** 0.50% $1,000
12 month Open Now 0.50% $1,000
15 month Easy Access**** 1.50% $5,000
18 month 0.50% $1,000
24 month Bump-Up*** Open Now 1.15% $1,000
25 month Open Now 1.75% $1,000
36 month Bump-Up*** Open Now 1.00% $1,000
48 month Bump-Up*** 1.00% $1,000
60 month Bump-Up*** Open Now 2.05% $1,000
IRA Certificate Of Deposit
3 month**   0.50% $500
6 month**   0.50% $500
9 month**   0.50% $500
12 month   0.50% $500
18 month   0.50% $500
24 month Bump-Up***   1.15% $500
25 month   1.75% $500
36 month Bump-Up***   1.00% $500
48 month Bump-Up***   1.00% $500
60 month Bump-Up***   2.05% $500

†Direct deposit required; otherwise $10 monthly service charge. Fees could reduce earnings.

††Minimum of 12 non-ATM Debit Card Transaction per month; otherwise $10 monthly service charge. Fees could reduce earnings.

**Interest calculation for the 3, 5, 6, 8 and 9-month certificates of deposit is based upon simple interest. All other certificates of deposit products are compounded daily.

***Bump-Up CDs/IRA CDs: The Bump-Up option may be exercised by CD account holder one time only during the original CD term to obtain a future advertised APY. The “Bump-Up” APY will be effective for the remaining term of the original CD.

****Easy Access CD, minimum daily balance of $5,000 to earn APY. Two penalty-free withdrawals allowed during 15 month term. To avoid penalty, withdrawals must be more than 6 days after account opening, and more than 6 days following each partial withdrawal; otherwise, penalty as described below for early withdrawal. Offer not applicable for retirement accounts.

Early withdrawal penalties for CD accounts. If your account has an original maturity of one year or less: The penalty we may impose will equal three months interest on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year: The penalty we may impose will equal six months interest on the amount withdrawn subject to penalty.

In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Fees may reduce account earnings.

Rates are subject to change without notice.