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DEPOSIT RATES
DEPOSIT RATES
Annual Percentage Yield effective October 17, 2014. Rates are subject to change without notice.
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Account
Type
Minimum
Opening Deposit
Minimum Daily Balance
to Obtain APY
Interest
Rate
Annual
Percentage Yield
Star Savings
$10.00
$0.01
0.068%
0.07%
Holiday Club*
$10.00
$0.01
0.068%
0.07%
Everyday Savings $100.00 $0.01 0.068% 0.07%
Money Market
$1,000.00
$0.01
0.098%
0.10%
Money Market Plus
$3,000.00
$0.01
0.138%
0.14%
Golden Delux Plus Checking
$1,000.00
$0.01
0.068%
0.07%
Classic Plus
Checking
$100.00
$0.01
0.068%
0.07%
Municipal Checking $100.00 $0.01 0.147% 0.15%
         
Loyalty Checking
$0.01-$10,000.00 $100.0 $0.01 1.982% 2.00%
$10,000.01+ $10,000.01 0.098% 0.10%
         
Investor's Checking
$0.01 - $4,999.99 $5,000.00 $0.01 0.068% 0.07%
$5,000.00 - $14,999.99 0.098% 0.10%
$15,000.00 - $24,999.99
0.138% 0.14%
$25,000.00 - $49,999.99     0.158% 0.16%
$50,000.00 +
0.178% 0.18%
         
Investor's Choice
$0.01-$9,999.99 $10,000.00 $0.01 0.068% 0.07%
$10,000.00+ $10,000.00 $10,000.00 0.178% 0.18%
         
Regular Business Checking
Earnings Credit $100.00 $0.01 0.991% 1.00%
         
Business Checking Plus        
Earnings Credit $100.00 $0.01 0.991% 1.00%
$0.01 - $25,000.00 $100.00 $0.00 0.000% 0.00%
$25,000.01 - $35,000.00   $0.01 0.068% 0.07%
$35,000.01 - $45,000.00
    0.098% 0.10%
$45,000.01 - $70,000.00     0.138% 0.14%
$70,000.01     0.178% 0.18%
         
Health Savings
Account
$0.01 - $4,999.99
$25.00
$0.01 0.068% 0.07%
$5,000.00 - $9,999.99
0.098% 0.10%
$10,000.00 - $14,999.99
0.138% 0.14%
$15,000.00 +
0.178% 0.18%
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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 except for the Holiday Club Account*. *Interest will be compounded daily and will be credited to the account every 12 months.
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CERTIFICATE OF DEPOSIT
Product
Name
Minimum
Opening Deposit
Minimum Daily Balance to Obtain Annual Percentage Yield
Interest
Rate
Annual
Percentage Yield
91 Day CD**
$1,000.00
$1,000.00
0.098%
0.10%
182 Day CD**
$1,000.00
$1,000.00
0.148%
0.15%
9 Months CD
$1,000.00
$1,000.00
0.198%
0.20%
12 Month CD
$1,000.00
$1,000.00
0.247%
0.25%
18 Month CD
$1,000.00
$1,000.00
0.398%
0.40%
24 Month CD
$1,000.00
$1,000.00
0.447%
0.45%
24 Month Bump Up CD Special $1,000.00 $1,000.00 0.447% 0.45%
30 Month CD
$1,000.00
$1,000.00
0.495%
0.50%
36 Month Bump Up CD Special $1,000.00 $1,000.00 0.746% 0.75%
41 Month CD $1,000.00 $1,000.00 0.895% 0.90%
48 Month Bump Up CD Special $1,000.00 $1,000.00 1.094% 1.10%

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

$1,000.00




$1,000.00




1.243%
1.345%
1.440%
1.539%
1.735%
1.25%
1.35%
1.45%
1.55%
1.75%
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CD / IRA
Product
Name
Minimum
Opening Deposit
Minimum Daily Balance to Obtain Annual Percentage Yield
Interest
Rate
Annual
Percentage Yield
182 Day CD/IRA** $1,000.00 $1,000.00 0.148% 0.15%
9 Months CD/IRA $1,000.00 $1,000.00 0.198% 0.20%
11 Months CD/IRA $1,000.00 $1,000.00 0.248% 0.25%
12 Months CD/IRA $1,000.00 $1,000.00 0.247% 0.25%
15 Months CD/IRA $1,000.00 $1,000.00 0.348% 0.35%
18 Months CD/IRA $1,000.00 $1,000.00 0.398% 0.40%
24 Months CD/IRA $1,000.00 $1,000.00 0.447% 0.45%
30 Months CD/IRA $1,000.00 $1,000.00 0.495% 0.50%
36 Months CD/IRA $1,000.00 $1,000.00 0.746% 0.75%
48 Months CD/IRA $1,000.00 $1,000.00 1.094% 1.10%
60 Months CD/IRA $1,000.00 $1,000.00 1.189% 1.20%
         
Freedom IRA
$25.00
$25.00
0.247%
0.25%
2 Year Variable IRA $1,000.00 $1,000.00 0.447% 0.45%
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Annual percentage yield is based on interest compounding at the end of 1 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.

Annual percentage yield 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.

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. Account fees may reduce the annual percentage yield.

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