Current Checking Rates

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Effective as of
Premier Checking

Type

Minimum to Open

APY*

Premier Checking

$100.00

.05%

*Annual Percentage Yield (APY) may change after account opening, as rates are subject to change at any time. Fees could reduce earnings.

Tiered Interest Bearing Checking Accounts: E-Checking and Youth/Teen Checking

Balance

APY*

Nonqualified tier**

.01%

Daily Balance $0-$2,499.99

.05%

Daily Balance $2,500-$14,999.99

.10%

Daily Balance $15,000-$49,999.99

.10%

Daily Balance $50,000 -$99,999.99

.15%

Daily Balance $100,000 or higher

.15%

The minimum to open an E-Checking Checking account is $100.00

*Annual percentage Yields (APY) may change after account opening, as rates are subject to change at any time. Fees could reduce earnings.
**All accounts with paper statements will earn interest at the nonqualified tier on the entire balance.

Tiered Interest Bearing Checking Accounts: Power Checking

Balance

APY*

Nonqualified Tier*

.05%

$0.01 to $25,000*

1.01% 

$25,000+*

 1.01% to 0.58%**

The minimum to open a Power Checking account is $100.00

*Annual Percentage yield (APY) effective as of March 1, 2021. All activity requirements must be met to earn the 1.01% APY. The non-qualified APY is 0.05% for accounts not meeting all activity requirements. For accounts meeting activity requirements, if your average daily balance is $25,000 or less, the APY will be 1.01%. If the account meets all activity requirements and your average daily balance is greater than $25,000, the APY for this tier will range from 1.01% to 0.58%, depending on the balance in the account. (The APY range for this tier was calculated based on average daily balances between $25,000.01 and $50,000. APY can vary based on account balance.) To earn the higher APYs, the following three activity requirements must be met. First, at least 18 debit card transactions must post to the account each statement cycle. Please note that these transactions may not post to the account on the same day that the transaction occurred. Pin-based or signature-based point-of-sale transactions are the only transactions that count. ATM transactions do not count toward the 18 required transactions. Second, enrollment in e-statements is required to earn the higher APYs. Third, at least one direct deposit must post to the account per statement cycle. All Power Checking account statements will be generated as of the last business day of the month. Power Checking is a variable rate account, and the interest rate and APY may change at any time at the bank’s discretion. The average daily balance method is used to calculate the interest on this account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. There is a $100 minimum opening deposit for this account.

**The APY for this tier will depend on the balance in the account. The range in the table was calculated based on average daily balances between $25,000.01 and $50,000. The APY can vary based on the account balance.

Tiered Interest Bearing Checking Accounts: HEALTH SAVINGS

Balance

APY*

Daily Balance $0-$999.99

.05%

Daily Balance $1,000-$4,999.99

.05%

Daily Balance $5,000-$9,999.99

.05%

Daily Balance $10,000+

.05%

The minimum to open a Health Savings account is $100.00

*Annual Percentage Yields (APY) may change after account opening, as rates are subject to change at any time. Fees could reduce earnings.

 

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