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DEPOSIT RATES
DEPOSIT RATES
Annual Percentage Yield effective August 1, 2016. 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
0.05%
0.05%
Holiday Club*
$10.00
$0.01
0.05%
0.05%
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
0.12%
0.12%
Golden Delux Plus Checking
$1,000.00
$1,000.00
0.05%
0.05%
Classic Plus
Checking
$500.00
$0.01
0.05%
0.05%
Municipal Checking^
$0.01 - $249,999.99 $100.00 $0.01 0.12% 0.12%
$250,000.00 + $250,000.00 0.20% 0.20%
         
Loyalty Checking^
$0.01-$10,000.00 $100.00 $0.01 2.97% 3.00%
$10,000.01+ $10,000.01 0.10% 0.10%
         
Investor's Checking^
$0.01 - $4,999.99 $5,000.00 $0.01 0.07% 0.07%
$5,000.00 - $14,999.99 $5,000.00 0.10% 0.10%
$15,000.00 - $24,999.99
$15,000.00 0.14% 0.14%
$25,000.00 - $49,999.99   $25,000.00 0.16% 0.16%
$50,000.00 +
$50,000.00 0.18% 0.18%
         
Investor's Choice
$0.01-$9,999.99 $10,000.00 $0.01 0.05% 0.05%
$10,000.00+   $10,000.00 0.15% 0.15%
         
Business Select Plus Checking^        
$25,000.01 - $35,000.00 $25,000.00 $25,000.01 0.07% 0.07%
$35,000.01 - $45,000.00
  $35,000.01 0.10% 0.10%
$45,000.01 - $70,000.00   $45,000.01 0.14% 0.14%
$70,000.01   $70,000.01 0.18% 0.18%
         
Business Earnings Credit $100.00 $0.01 0.99% 1.00%
         
Health Savings
Account
$0.01 - $4,999.99
$25.00
$0.01 0.07% 0.07%
$5,000.00 - $9,999.99
$5,000.00 0.10% 0.10%
$10,000.00 - $14,999.99
$10,000.00 0.14% 0.14%
$15,000.00 +
$15,000.00 0.18% 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 and Summer Club Account*.

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

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CERTIFICATE OF DEPOSIT
Product
Name
Minimum
Opening Deposit
Interest
Rate
Annual
Percentage Yield
91 Day CD**
$1,000.00
0.10%
0.10%
182 Day CD**
$1,000.00
0.12%
0.12%
9 Months CD
$1,000.00
0.16%
0.16%
12 Month CD
$1,000.00
0.25%
0.25%
18 Month CD
$1,000.00
0.45%
0.45%
24 Month CD Special
without active checking account
$1,000.00
0.89%
0.90%
24 Month CD Special
with active checking account
$1,000.00
1.04%
1.05%
36 Month Star Saver CD $250.00 0.99% 1.00%
36 Month Bump Up CD Special $1,000.00 0.99% 1.00%
48 Month Bump Up CD Special $1,000.00 1.39% 1.40%
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%

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CD / IRA
Product
Name
Minimum
Opening Deposit
Interest
Rate
Annual
Percentage Yield
182 Day CD/IRA** $1,000.00 0.12% 0.12%
9 Months CD/IRA $1,000.00 0.16% 0.16%
12 Months CD/IRA $1,000.00 0.25% 0.25%
18 Months CD/IRA $1,000.00 0.45% 0.45%
24 Months CD/IRA $1,000.00 0.89% 0.90%
30 Months CD/IRA $1,000.00 0.74% 0.75%
36 Months CD/IRA $1,000.00 1.09% 1.10%
48 Months CD/IRA $1,000.00 1.44% 1.45%
60 Months CD/IRA $1,000.00 1.58% 1.60%
Freedom IRA
$25.00
0.25%
0.25%
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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**.

Active checking accounts include a minimum of one deposit and five withdrawals per month.

** 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. Fees could reduce earnings 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.

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