Personal Deposit Rates

Rates effective 05/12/2025

Checking Accounts
Type	Minimum Opening Deposit	Tier	APY
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. No minimum balance required. Rates may change after account opening.
Type Simply Checking	Minimum Opening Deposit $25	Tier N/A	APY None
Type Checking Plus¹	Minimum Opening Deposit $25	Tier $0.00 – $15,000.00	APY 4.00%
Type	Minimum Opening Deposit	Tier $15,000.01 and above	APY 4.00% to .24%
Type Edge Pay Checking	Minimum Opening Deposit $25	Tier N/A	APY None

Savings Accounts
Type	Minimum Opening Deposit	APY
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Rates may change after account opening.
Type Savings	Minimum Opening Deposit $5	APY 0.20%
Type Holiday Savings	Minimum Opening Deposit $5	APY 0.20%

Essential Money Market Account
Minimum Balance to Earn APY	Minimum Opening Deposit	APY
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Rates may change after account opening. Limit one Essential Money Market account per person. Minimum balance of $1,000 is required to open the account. Essential Money Market accounts are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.
Minimum Balance to Earn APY Up to $2,499.99	Minimum Opening Deposit $1,000	APY 5.00%
Minimum Balance to Earn APY $2,500.00 – $4,999.99	Minimum Opening Deposit $1,000	APY 5.00% to 4.50%
Minimum Balance to Earn APY $5,000.00 – $9,999.99	Minimum Opening Deposit $1,000	APY 4.50% to 3.75%
Minimum Balance to Earn APY $10,000.00 and above	Minimum Opening Deposit $1,000	APY 3.75% to .34%

Green Money Market Account
Minimum Balance to Earn APY	APY
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Rates may change after account opening. Our Money Market account is a tiered rate account. The applicable dividend rate is applied to the total account balance.
Minimum Balance to Earn APY $1,000 – $49,999.99	APY 1.70%
Minimum Balance to Earn APY $50,000 – $99,999.99	APY 2.15%
Minimum Balance to Earn APY $100,000 – $249,999.99	APY 2.55%
Minimum Balance to Earn APY $250,000 – $499,999.99	APY 2.65%
Minimum Balance to Earn APY $500,000 and over	APY 2.75%

Fixed-Rate Certificates
Term	Minimum Balance to Earn APY	APY
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Early withdrawal penalties may apply to certificates. Rates may change after account opening. *The 9-month certificate will be offered for a limited time and will renew to the 1-year term at maturity.
Term 6-month	Minimum Balance to Earn APY $500	APY 3.00%
Term 9-month Special*	Minimum Balance to Earn APY $500	APY 3.95%
Term 1-year	Minimum Balance to Earn APY $500	APY 3.50%
Term 2-year	Minimum Balance to Earn APY $500	APY 3.50%
Term 3-year	Minimum Balance to Earn APY $500	APY 3.50%
Term 4-year	Minimum Balance to Earn APY $500	APY 3.50%
Term 5-year	Minimum Balance to Earn APY $500	APY 3.50%

Variable-Rate Certificates
Type	Term	Minimum Balance to Earn APY	Dividend Rate	APY
For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier. APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Early withdrawal penalties may apply to certificates. Rates may change after account opening. Future Saver Plus Certificates are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.
Type Future Saver	Term 12 to 60 months	Minimum Balance to Earn APY $25	Dividend Rate 2.47%	APY 2.50%
Type Future Saver Plus	Term 12-month	Minimum Balance to Earn APY $25 – $5,000.00	Dividend Rate 3.93%	APY 4.00%
Type Future Saver Plus	Term 12-month	Minimum Balance to Earn APY $5,000.01 and over	Dividend Rate 2.47%	APY 4.00% to 2.53%

Individual Retirement Account (IRA) Certificates
Term	Minimum Balance to Earn APY	APY
APY = annual percentage yield and reflects the current minimum APY offered. Rates are subject to change after account opening. Fees could reduce earnings. Early withdrawal penalties may apply to Certificates. *The 9-month certificate will be offered for a limited time and will renew to the 1-year term at maturity. The IRA Savings account requires a minimum balance of $5 to open the account.
Term IRA Savings	Minimum Balance to Earn APY None	APY .20%
Term 6-month	Minimum Balance to Earn APY $500	APY 3.00%
Term 9-month Special*	Minimum Balance to Earn APY $500	APY 3.95%
Term 1-year	Minimum Balance to Earn APY $500	APY 3.50%
Term 2-year	Minimum Balance to Earn APY $500	APY 3.50%
Term 3-year	Minimum Balance to Earn APY $500	APY 3.50%
Term 4-year	Minimum Balance to Earn APY $500	APY 3.50%
Term 5-year	Minimum Balance to Earn APY $500	APY 3.50%

Disclosures

1.: To earn dividends with Checking Plus, you must have direct deposit of $1,000 or more, 15 debit card transactions each month, and been enrolled in eStatements for the dividend period. If the account does not meet these requirements during the dividend period, the account will not earn dividends for that period and a new period will start over the following month.

Checking Plus accounts are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.