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Deposit Rates

Click on the links below to find out more about each Account's Interest Rates.
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Checking Accounts

Checking Accounts

Deposit Rates and Annual Percentage Yield are accurate as of December 15th, 2016.

Personal Accounts  Minimum to Open  Minimum Balance to Earn Interest  Interest Rate  APY*  Low Range  High Range 
Basic Checking  $100.00  N/A  N/A  N/A     
50+ Interest Checking  $100.00  .01  0.10%  0.10%     
1st Rate Checking**  $100.00  .01  2.23%  2.25%  $0.01  $24,999.99 
      0.10%  Blended  $25,000.00  and above 
Business Checking      Interest Rate*  APY*  Low Range  High Range 
Business Checking-Non Interest  $100.00  N/A  N/A  N/A     
Business Plus Checking  $100.00  .01  0.05%  0.05%     

*APY = Annual Percentage Yields

Interest bearing checking accounts are variable rate accounts and the rate may change after the account is opened. Fees could reduce earnings on the account.

**Subject to account requirements. Tier 1 - An interest rate of 2.23% will be paid on the entire portion of your average daily balance that is less than $25,000. The annual percentage yield (APY) for this tier is 2.25%. Tier 2 - An interest rate of 0.10% will be paid only for that portion of your average daily balance that is $25,000 or more. The annual percentage yield (APY) for this tier will range from 2.25% to .11%, depending on the balance in the account. Rates subject to change without notice.

Savings and Money Market Accounts

Savings and Money Market Accounts

Deposit Rates and Annual Percentage Yield are accurate as of December 15th, 2016.

Savings & Money Markets  Minimum to Open  Minimum Balance to Earn Interest  Interest Rate  APY*  Low Range  High Range 
First Rate Savings  $100.00  .01  0.10%  0.10%     
Money Market Checking  $1000.00  .01  0.20%  0.20%  $0.01  $24,999.99 
      0.35%  0.35%  $25,000.00  $49,999.99 
      0.50%  0.50%  $50,000.00  and above 

*APY = Annual Percentage Yield

Savings accounts are variable rate accounts and the rate may change after the account is opened. Fees could reduce earnings on the account. Rates subject to change without notice.

CDs & IRAs

CDs & IRAs

Deposit Rates and Annual Percentage Yield are accurate as of December 15th, 2016.

Term  Minimum to Open  Minimum Balance to Earn Interest  Interest Rate  APY*  New CD's without relationships/ Interest Rate  APY* 
3 Month  $500.00  .01  0.15%  0.15%  0.05%  0.05% 
6 Month  $500.00  .01  0.35%  0.35%  0.20%  0.20% 
12 Month  $500.00  .01  0.45%  0.45%  0.35%  0.35% 
18 Month  $500.00  .01  0.55%  0.55%  0.45%  0.45% 
24 Month  $500.00  .01  0.80%  0.80%  0.60%  0.60% 
30 Month  $500.00  .01  0.94%  0.94%  0.85%  0.85% 
36 Month  $500.00  .01  1.09%  1.10%  0.94%  0.94% 
48 Month  $500.00  .01  1.34%  1.35%  1.19%  1.20% 
60 Month  $500.00  .01  1.54%  1.55%  1.34%  1.35% 

*APY = Annual Percentage Yield

All rates are subject to change daily

The Annual Percentage yield assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. A penalty will or may be imposed for early withdrawal. Rates subject to change without notice.

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