Rates: Savings & Investments

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Savings Accounts

ProductDividend RateAPY *
Savings0.05%0.05%
 
  • Last Updated: Aug. 06, 2009
  • Rates shown are subject to change.
  • Fees can reduce earnings.
  • $25 Minimum balance required to open and maintain the share account.

    *Annual Percentage Yield

eStyle Checking Accounts

ProductDividend RateAPY *
$0 - $999.99N/A%N/A%
$1,000 - $4,999.990.05%0.05%
$5,000 - $9,999.990.05%0.05%
$10,000 and over0.10%0.10%
 
  • Last Updated: Nov. 12, 2009
  • Minimum Opening Balance: $100
  • Minimum Required Balance to Avoid Fees: $500
  • Mininum Required Balance to Earn Dividends: $1,000
  • Minimum Balance not met: $5.00 fee
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.

    * APY = Annual Percentage Yield

Dividend Checking Accounts

ProductDividend RateAPY *
$0 - $999.99N/A%N/A%
$1,000 - $4,999.990.05%0.05%
$5,000 - $9,999.990.05%0.05%
$10,000 and over0.10%0.10%
 
  • Last Updated: Nov. 12, 2009
  • Minimum Opening Balance: $100
  • Minimum Required Balance to Avoid Fees: $10,000
  • Minimum Required Balance to Earn Dividends: $1,000
  • Minimum Balance not met: $10.00 fee
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.

    * APY = Annual Percentage Yield

FlexTier Money Market Accounts

ProductDividend RateAPY *
$2,000 - $9,999.990.05%0.05%
$10,000 - $24,999.990.10%0.10%
$25,000 - $49,999.990.15%0.15%
$50,000 - $74,999.990.20%0.20%
$75,000 and over0.25%0.25%
 
  • Last Updated: Jun. 21, 2011
  • Fee for exceeding Withdrawal Limit: $25
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.

    * APY = Annual Percentage Yield.

Select Money Market Accounts

ProductDividend RateAPY *
$0 - $24,999.990.05%0.05%
$25,000 and over0.25%0.25%
 
  • Last Updated: Sept. 5, 2012
  • Fee for exceeding Withdrawal Limit: $25
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.

    * APY = Annual Percentage Yield.

Premier Money Market Accounts

ProductDividend RateAPY *
$0 - $49,999.990.05%0.05%
$50,000 and over0.30%0.30%
 
  • Last Updated: Sept. 5, 2012
  • Fee for exceeding Withdrawal Limit: $25
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.

    * APY = Annual Percentage Yield.

Jumbo Money Market Accounts

ProductDividend RateAPY *
$0 - $99,999.990.05%0.05%
$100,000 and over0.35%0.35%
 
  • Last Updated: Sept. 5, 2012
  • Fee for exceeding Withdrawal Limit: $25
  • Dividend: Compounded Monthly; Credited Monthly
  • Rates shown are subject to change.
  • Fees can reduce earnings.

    * APY = Annual Percentage Yield.

Certificate Rates - With as little as $500

ProductDividend RateAPY *
3 mo. Certificate0.15%0.15%
6 mo. Certificate0.25%0.25%
12 mo. Certificate0.40%0.40%
18 mo. Certificate0.50%0.50%
24 mo. Certificate0.60%0.60%
36 mo. Certificate0.90%0.90%
48 mo. Certificate1.09%1.10%
60 mo. Certificate1.39%1.40%
 
  • Minimum Opening Balance: $500
  • Minimum Required Balance: $500
  • Dividend: Compounded Monthly; Credited Monthly
  • Additional Deposit: Not permitted
  • Dividend Withdrawal: Allowed
  • Early withdrawal penalties apply

    * APY = Annual Percentage Yield

Jumbo Certificate Rates - Over $100,000

ProductDividend RateAPY *
6 mo. Certificate0.25%0.25%
12 mo. Certificate0.40%0.40%
24 mo. Certificate0.60%0.60%
60 mo. Certificate1.39%1.40%
 
  • Minimum Opening Balance: $100,000
  • Minimum Required Balance: $100,000
  • Dividend: Compounded Monthly; Credited Monthly
  • Additional Deposit: Not permitted
  • Dividend Withdrawal: Allowed
  • Early Withdrawal Penalties Apply

    *APY = Annual Percentage Yield

Rags to Riches Club Savings Account

ProductDividend RateAPY *
Rags Saving Account0.05%0.05%
 
  • Last Updated: Aug. 06, 2009
  • Rates shown are subject to change.
  • Fees can reduce earnings.
  • The Rags to Riches Savings Account is in addition to the membership savings account.
  • No minimum balance

    *APY = Annual Percentage Yield

Rags Certificate Rates - Ages 12 and under

ProductDividend RateAPY *
12 mo. Certificate0.40%0.40%
24 mo. Certificate0.60%0.60%
 
  • Minimum Opening Balance: $100
  • Minimum Required Balance: $100
  • Dividend: Compounded Monthly; Credited Monthly
  • Additional Deposit: Permitted - $10 Minimum Per Add-on Deposit
  • Dividend Withdrawal: Allowed
  • Early Withdrawal Penalties Apply
  • Rates shown are subject to change.

    *APY = Annual Percentage Yield

HSA Checking

ProductDividend RateAPY *
HSA Checking0.25%0.25%
 
  • Last Updated: Aug. 06, 2009
  • Fees may reduce earnings.
  • IRS contribution or withdrawal limits and penalties may apply.
  • Rates shown are subject to change.

    * APY = Annual Percentage Yield

HSA Certificate Rates - With as little as $100

ProductDividend RateAPY *
3 mo. Certificate0.15%0.15%
6 mo. Certificate0.25%0.25%
12 mo. Certificate0.40%0.40%
18 mo. Certificate0.50%0.50%
24 mo. Certificate0.60%0.60%
36 mo. Certificate0.90%0.90%
48 mo. Certificate1.09%1.10%
60 mo. Certificate1.39%1.40%
 
  • Minimum Opening Balance: $100
  • Minimum Required Balance: $100
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted on HSA Certificates with terms of 12 months or less.
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings

    * APY = Annual Percentage Yield

HSA Jumbo Certificate Rates - Over $100,000

ProductDividend RateAPY *
6 mo. Certificate0.25%0.25%
12 mo. Certificate0.40%0.40%
24 mo. Certificate0.60%0.60%
60 mo. Certificate1.39%1.40%
 
  • Minimum Opening Balance: $100,000
  • Minimum Required Balance: $100,000
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted for 6 and 12 month Certificates only
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings

    *APY = Annual Percentage Yield

IRA/ESA Savings Rates

ProductDividend RateAPY *
IRA/ESA Savings Rates0.15%0.15%
 
  • $100 Minimum balance is required to open and maintain an IRA.
  • Early withdrawal penalties apply.
  • IRS contribution limits apply
  • Rates shown are subject to change.

    * APY = Annual Percentage Yield

IRA/ESA Certificate Rates - With as little as $100

ProductDividend RateAPY *
6 mo. Certificate0.25%0.25%
12 mo. Certificate0.40%0.40%
24 mo. Certificate0.60%0.60%
60 mo. Certificate1.39%1.40%
 
  • Minimum Opening Balance: $100
  • Minimum Required Balance: $100
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted on IRA/ESA Certificates with terms of 12 months or less.
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings

    * APY = Annual Percentage Yield

IRA Jumbo Certificate Rates - Over $100,000

ProductDividend RateAPY *
6 mo. Certificate0.25%0.25%
12 mo. Certificate0.40%0.40%
24 mo. Certificate0.60%0.60%
60 mo. Certificate1.39%1.40%
 
  • Minimum Opening Balance: $100,000
  • Minimum Required Balance: $100,000
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted for 6 and 12 month Certificates only
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings

    *APY = Annual Percentage Yield