Certificate Rates (Regular & IRA)

Rates current as of April 22, 2014, and are subject to change without notice.

Youth Add-On Certificate 1 Year Add-On Certificate 2-Year Add-On Certificate
Term: 1 Year
Rate: 0.55%
APY*: 0.55%
Term: 1 Year
Rate: 0.60%
APY*: 0.60%
Term: 2 Year
Rate: 0.95%
APY*: 0.95%
 Minimum Deposit: $100.00 Minimum Deposit: $500.00 Minimum Deposit: $500.00
  $500 to $2,499 $2,500 to $24,999 $25,000 to $99,999 $100,000+
Term Rate APY* Rate APY* Rate APY* Rate APY*
3 months N/A N/A 0.32 0.32 0.42 0.42 0.52 0.52
6 months N/A N/A 0.39 0.39 0.49 0.49 0.59 0.59
1 year 0.60 0.60 0.65 0.65 0.70 0.70 0.80 0.80
2 years 0.95 0.95 1.00 1.00 1.05 1.05 1.15 1.15
3 years 1.04 1.04 1.14 1.14 1.19 1.20 1.29 1.30
4 years 1.15 1.15 1.25 1.26 1.30 1.31 1.40 1.41
5 years 1.25 1.26 1.35 1.36 1.40 1.41 1.50 1.51

Click here to view the Certificate Disclosure.


*APY = Annual Percentage Yield. The Annual Percentage Yield for certificate terms less than (1) year is based on an assumption that dividends are posted and compounded at maturity and will remain in the account until maturity. The Annual Percentage Yield for certificate terms one (1) year or greater is based on an assumption that dividends are posted and compounded quarterly and will remain in the account until maturity. Any withdrawal will affect the APY calculation and result in reduced earnings.

Premier Checking and Heritage Club certificate bonus rates are not available on Add-on Certificates.