Savings Accounts

Personal Savings

Account Balance Dividend Rate APY*
$0.00 – unlimited 0.10% 0.10%

Checking Accounts

myChoice Checking Account – $25 Opening Deposit Required

Account Balance Dividend Rate APY*
$0.00 - $3,000 6.82% 7.00%
$3,000 + 0.05% 0.05%

myWallet Checking Account – No Opening Deposit Required

Checking Account Type Dividend Rate APY*
myWallet Checking 0.00% 0.00%

Money Market Accounts

Money Market Max Account** – Minimum Investment $500

Account Balance Tier Dividend Rate APY*
$0.00 – $9,999.99 0.50% 0.50%
$10,000.00 – $24,999.99 0.50% 0.50%
$25,000.00 – $49,999.99 0.55% 0.55%
$50,000.00 – $99,999.99 0.65% 0.65%
$100,000.00 – $249,999.99 1.15% 1.16%
$250,000.00 – Unlimited 1.65% 1.66%

Health Savings Account** – Minimum Investment $100

Account Balance Tier Dividend Rate APY*
$0.00 – $9,999.99 2.72% 2.78%
$10,000.00 – unlimited 3.00% 3.04%

Individual Retirement Accounts (IRAs)

IRA Investment Account – Minimum Investment $100

Account Type Dividend Rate APY*
Traditional Share Accounts 0.10% 0.10%
Roth/Education Share Accounts 0.10% 0.10%

IRA Certificates – Minimum Investment $1,000

Certificate Terms Dividend Rate APY*
5 Month Roth/Traditional/Educational  4.16% 4.25%
12 Month Roth/Traditional/Educational 2.25% 2.28%
24 Month Roth/Traditional/Educational 2.40% 2.43%
30 Month Roth/Traditional/Educational  3.92% 4.00%
36 Month Roth/Traditional/Educational 3.00% 3.05%
48 Month Roth/Traditional/Educational 3.15% 3.20%
60 Month Roth/Traditional/Educational 3.25% 3.30%
84 Month Roth/Traditional/Educational 3.35% 3.41%

Certificate Accounts

Certificate Accounts – Minimum Investment $1,000

Certificate Terms Dividend Rate APY*
3 Month Certificate 2.00% 2.02%
6 Month Certificate 2.10% 2.12%
5 Month Certificate 4.16% 4.25%
12 Month Certificate 2.25% 2.28%
24 Month Certificate 2.40% 2.43%
30 Month Certificate 3.92% 4.00%
36 Month Certificate 3.00% 3.05%
48 Month Certificate 3.15% 3.20%
60 Month Certificate 3.25% 3.30%
84 Month Certificate 3.35% 3.41%

Health Savings Account (HSA) Certificates – Minimum Investment $500

Certificate Terms Dividend Rate APY*
HSA 6 Month Certificate 2.10% 2.12%

Special Certificates for Diamond and Platinum Rewards Members

Special Certificate Accounts – Minimum Investment $25,000

Certificate Terms Dividend Rate APY*
3 Month Certificate 2.10% 2.12%
6 Month Certificate 2.20% 2.22%
5 Month Certificate 4.16% 4.25%
12 Month Certificate 2.35% 2.38%
24 Month Certificate  2.50% 2.53%
36 Month Certificate 3.10% 3.15%
48 Month Certificate 3.25% 3.30%
30 Month Certificate 3.92% 4.00%
60 Month Certificate 3.35% 3.41%
84 Month Certificate 3.45% 3.51%

Business Accounts

Business Savings Account

Account Balance Dividend Rate APY*
$0.00 – unlimited 0.10% 0.10%

Business Checking Account – Opening Deposit $50

Checking Account Type Dividend Rate APY*
Business Checking 0.00% 0.00%

Lawyer Trust IOTA/IOLTA

Account Type Rate APY*
Lawyer Trust IOTA/IOLTA

3.00%

 3.04%

Term Loans

Term* APR*
up to 36 months 11.15% - 18.00%
37 - 48 months 11.15% - 18.00%
49 - 60 months 11.15% - 18.00%
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Effective date: Jul 19, 2023

*APY=Annual Percentage Yield

**Tiered Accounts: Money Market Max and Business Money Market pay the rate on the total balance in the account. HSA Money Market accounts are true tiered accounts. The dividend rate is paid based on the appropriate dollars in that level.

Early withdraw penalties may apply to certificates and IRA certificates accounts.