EFFECTIVE October 1, 2020
FastTrac, Regular Savings & IRA Savings
Type |
Dividend Rate |
APY*³ |
To Open |
To Earn Dividend |
Regular & IRA Savings |
0.050% |
0.05%% |
$5 |
$5 |
FastTrac up to $10,000 |
0.300% |
0.30% |
$5 |
Up to $10,000 |
FastTrac $10,000.01+ |
0.050% |
0.05% |
$5 |
Above $10,000 |
MAX & Regular Money Markets
Type |
Dividend Rate |
APY* |
To Open |
To Earn Dividend |
MAX
Up to $99,999.99 |
0.050% |
0.05% |
$100,000 |
$0.01 |
MAX
$100,000.00 to 249,999.99 |
0.349% |
0.35% |
$100,000 |
$100,000 |
MAX
$250,000.00 or more |
0.449% |
0.45% |
$100,000 |
$250,000 |
Regular
Up to $9,999.99 |
0.050% |
0.05% |
$2,500 |
$0.01 |
Regular
$10,000.00 to $49,999.99 |
0.100% |
0.10% |
$2,500 |
$10,000 |
Regular
$50,000.00 to $99,999.99 |
0.150% |
0.15% |
$2,500 |
$25,000 |
Regular
$100,000.00 to $249,999.99 |
0.300% |
0.30% |
$2,500 |
$100,000 |
Regular
$250,000.00 or more |
0.349% |
0.35% |
$2,500 |
$250,000 |
SmartReturns Checking Account
Type |
Dividend Rate |
APY* |
To Open |
To Earn Dividend |
Qualifying Accounts
Up to $15,000.00 |
2.960% |
3.00% |
$25 |
$0.01 |
Qualifying Accounts
$15,000.01 + |
0.250% |
0.25% |
$25 |
$15,000 |
Non-qualifying Accounts |
0.050% |
0.050% |
$25 |
$0.01 |
SmartSavers 15-Month Term Certificate***
Balance |
Dividend Rate |
APY* |
To Open |
To Earn Dividend |
All Balances |
0.350% |
0.35% |
$10 |
$0.01 |
30-Month "You're in Control!" Term Certificate***
Balance |
Dividend Rate |
APY* |
To Open |
To Earn Dividend |
All Balances |
2.231% |
2.25% |
$500 |
$500 |
Term Certificates & IRA Term Certificates***
Term |
Dividend Rate |
APY* |
To Open |
To Earn Dividend |
7 Month Special3 |
5.438% |
5.55% |
$500 |
$500 |
6 Months |
0.200% |
0.20% |
$500 |
$500 |
12 Months |
0.300% |
0.30% |
$500 |
$500 |
18 Months |
0.300% |
0.30% |
$500 |
$500 |
24 Months |
0.499% |
0.50% |
$500 |
$500 |
36 Months |
0.648% |
0.65% |
$500 |
$500 |
60 Months |
0.847% |
0.85% |
$500 |
$500 |
"Highway" Term Certificates & "Highway" IRA Term Certificates***
Term |
Dividend Rate |
APY* |
To Open |
To Earn Dividend |
6 Months |
0.250% |
0.25% |
$50,000 |
$50,000 |
12 Months |
0.350% |
0.35% |
$50,000 |
$50,000 |
18 Months |
0.350% |
0.35% |
$50,000 |
$50,000 |
24 Months |
0.549% |
0.55% |
$50,000 |
$50,000 |
36 Months |
0.698% |
0.70% |
$50,000 |
$50,000 |
60 Months |
0.897% |
0.90% |
$50,000 |
$50,000 |