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Rates

Deposit Product Rate as of January 16, 2019

Checking
Product
Amount
Interest Rate APY
$2,500.00 and over
0.01%
0.01%
$0.00 and over
0.05%
0.05%
$5,000.00 and over
0.01%
0.01%

[+] Additional Checking Disclosure

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest will be compounded daily and credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce the earnings on the account.

†APY=Annual Percentage Yield.
Savings
Product
Amount
Interest Rate APY
$0.00 - 9,999.99
0.03%
0.03%
$10,000.00 and over
0.05%
0.05%
$0.00 - 9,999.99
0.03%
0.03%
$10,000.00 and over
0.05%
0.05%

[+] Additional Savings Disclosure

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest will be compounded daily and credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce the earnings on the account.

†APY=Annual Percentage Yield.

Withdrawals or transfers to another account or third parties by pre-authorized, automatic, or telephone transfers are limited to six (6) per statement cycle, which includes by check, draft, debit card or similar order to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For each additional withdrawal, an excessive withdrawal fee of $4 will be applied at the end of the statement cycle.
Money Market
Product
Amount
Interest Rate APY
$0.00 - 9,999.99
0.03%
0.03%
$10,000.00 - 24,999.99
0.05%
0.05%
$25,000.00 - 49,999.99
0.07%
0.07%
$50,000.00 - 99,999.99
0.09%
0.09%
$100,000.00 and over
0.10%
0.10%

[+] Additional Money Market Disclosure

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest will be compounded daily and credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce the earnings on the account.

†APY=Annual Percentage Yield.

Withdrawals or transfers to another account or third parties by pre-authorized, automatic, or telephone transfers are limited to six (6) per statement cycle, which includes by check, draft, debit card or similar order to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For each additional withdrawal, an excessive withdrawal fee of $10 will be applied at the end of the statement cycle.
Certificates of Deposit & IRAs
Product
Term
Interest Rate APY
30 - 179 Days
0.05%
0.05%
180 - 364 Days
0.10%
0.10%
12 - 23 Months
0.20%
0.20%
24 Months
0.35%
0.35%
36 Months
0.50%
0.50%
30 - 179 Days
0.05%
0.05%
180 - 364 Days
0.10%
0.10%
12 - 23 Months
0.20%
0.20%
24 Months
0.35%
0.35%
36 Months
0.50%
0.50%
6 Months
0.10%
0.10%
12 - 23 Months
0.20%
0.20%
24 - 60 Months
0.40%
0.40%

[+] Additional Certificates of Deposit & IRA Disclosure

The interest rate and annual percentage yield for your account will be paid until the maturity of your Certificate of Deposit or IRA Certificate of Deposit. Interest is compounded daily and credited monthly, quarterly, semiannually, annually, or at the end of the term. Interest begins to accrue on the business day you deposit any noncash items (for example, a check). We use the daily balance method to calculate interest on this account. This method applies a daily periodic rate to the principal in the account each day. If any of the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed.

Term Early Withdrawal Penalty
30 - 364 days 30 days interest on the amount withdrawn
365 days - 5 years 90 days interest on the amount withdrawn

Fees could reduce the earnings on the account. †APY=Annual Percentage Yield.
Account Analysis
Product
Amount
Interest Rate APY
Earnings Allowance Rate
0.50%
N/A

[+] Account Analysis Disclosure

The rate may change after the account is open. Fees could reduce the earnings on the account.
Health Savings
Product
Type
Interest Rate APY
HSA Checking
0.01%
0.01%
HSA Savings*
0.01%
0.01%
HSA Liquidity**
0.03%
0.03%

[+] Additional Health Savings Disclosure

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest will be compounded daily and credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees could reduce the earnings on the account.

†APY=Annual Percentage Yield.

*Withdrawals or transfers to another account or third parties by pre-authorized, automatic, or telephone transfers are limited to six (6) per statement cycle, which includes by check, draft, debit card or similar order to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For each additional withdrawal, an excessive withdrawal fee of $4 will be applied at the end of the statement cycle.

**Withdrawals or transfers to another account or third parties by pre-authorized, automatic, or telephone transfers are limited to six (6) per statement cycle, which includes by check, draft, debit card or similar order to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For each additional withdrawal, an excessive withdrawal fee of $10 will be applied at the end of the statement cycle.
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