CHECKING
Effective date: 03/23/2020
| CHECKING | ||||
| Account Name | Minimum to Open | Minimum to Earn Dividend | Dividend Rate | APY |
| DirectConnect Checking | $25 or more | $68 | 0.10% | 0.10% |
| Special Privileges Checking | $25 or more | $68 | 0.10% | 0.10% |
| Free Incredible Interest Checking1 | $25 or more | $3-$15,000.00 | 1.98% | 2.00% |
| $15,000.01 or more | 0.10% | 0.10% | ||
| Premium Perks Checking | $25 or more | $68 – $5,000.00 | 0.10% | 0.10% |
| $5,000.01 or more | 0.15% | 0.15% | ||
| Remarkable Rewards Checking2 | $25 or more | $6 – $25,000 | 1.00% | 1.00% |
| $25,000.01 or more | 0.25% | 0.25% | ||
APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Fees may reduce earnings. Membership requirements apply.
1APY – Annual Percentage Yield. Rates are subject to change and may change without notice. $25.00 minimum to open. To obtain the stated APY the monthly qualifications must be met. Monthly qualifications include: 15 debit card point of sale (POS) transactions must post and settle to your account per monthly qualification cycle (transactions may take up to three (3) business days from the date of the transaction to post and settle), access your account through online banking at least once per qualification cycle, receive your monthly statement electronically, and receive at least one direct deposit or ACH debit monthly. Monthly qualification cycle means: a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to close of the current statement cycle (one day asynchronous – no weekend processing). Balances up to $15,000 receive an APY of 2.00% and balances over $15,000 earn 0.10% on the portion of the balance over $15,000 if qualifications are met. An APY of 0.05% applies to all balances if qualifications are not met. This account may not to be used for commercial purposes. Membership requirements apply.
2(No longer Offered) Deposit Interest rate tiers are as follows: 1.00% APY applies to balances of $.01 – $25,000 and .25% APY applies to balances over $25,000 as long as all qualifications are met per qualification cycle. 0.05% APY applies to all balances if qualifications are not met. Qualifications: must have 10 debit card point of sale transactions post and settle to your account per qualification cycle, receive your monthly statement electronically and receive at least one direct deposit or ACH debit monthly. No minimum balance required. No monthly service charge. Available to personal accounts only. Unlimited ATM fee refunds per cycle when qualifications are met. See an MSR for qualification details.
SAVINGS
Effective date: 1/2/2020
| Savings | ||||
| Account Name | Minimum to Open | Minimum to Earn Dividend | Dividend Rate | APY |
| Membership Savings Account | $25 or more | $68 | 0.10% | 0.10% |
| Club Accounts | $25 or more | $68 | 0.10% | 0.10% |
| Sterling Set4 | $25 or more | $68 – $1,999.99 | 0.10% | 0.10% |
| $2,000 or more | 0.15% | 0.15% | ||
| Premium Savings | $25 or more | $46 – $50,000 | 0.15% | 0.15% |
| $50,000.01 or more | 0.35% | 0.35% | ||
| Incredible Interest Savings1 | $25 or more | $7 – $250,000 | 1.00% | 1.00% |
| $250,000.01 or more | 0.10% | 0.10% | ||
| Incredible Interest Money Market Account2 | $25,000 | $27 – $250,000 | 1.83% | 1.85% |
| $250,000.01 or more | 0.25% | 0.25% | ||
| Premium Money Market Account3 | $1,000 | $68 – $49,999.99 | 0.25% | 0.25% |
| $50,000 or more | 0.40% | 0.40% | ||
APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Fees may reduce earnings. Membership requirements apply.
1APY – Annual Percentage Yield. Rates are subject to change and may change without notice. $25.00 minimum to open. To obtain the stated APY the Incredible Interest Checking monthly qualifications (listed above) must be met. Balances up to $250,000 receive an APY of 1.00% and balances over $250,000 earn 0.10% APY on the portion of the balance over $250,000 if qualifications are met. An APY of 0.05% applies to all balances if qualifications are not met. This account may not be used for commercial purposes. You must have an Incredible Interest Checking account in order to open an Incredible Interest with Savings account. Membership requirements apply.
2APY – Annual Percentage Yield. Rates are subject to change and may change without notice. A $25,000.00 minimum deposit is required to open. Balances up to $250,000.00 receive an APY of 1.85%. Balances over $250,000.00 receive an APY of 0.25% on the portion of the balance over $250,000.00. If average ledger balance falls below $25,000.00 within a statement cycle, a $30 service charge will be assessed. E-statements are a requirement of the account. Fees may reduce earnings. Membership requirements apply.
3Monthly service charge of $5 if balance falls below $1,000.
4Account no longer offered
CD/IRA
Effective date: 03/27/2020
| CD/IRA | |||
| Minimum to Open and Earn Dividend | Dividend Rate | APY | |
| Term Share Certificates | |||
| 3 Month | $1,000 | 0.75% | 0.75% |
| 6 Month | $1,000 | 1.00% | 1.00% |
| 12 Month | $1,000 | 1.34% | 1.35% |
| 18 Month | $1,000 | 1.44% | 1.45% |
| 24 Month | $1,000 | 1.49% | 1.50% |
| 36 Month | $1,000 | 1.59% | 1.60% |
| 48 Month | $1,000 | 1.64% | 1.65% |
| 60 Month | $1,000 | 1.64% | 1.65% |
| Term Share IRAs | |||
| 12 Month | $1,000 | 1.34% | 1.35% |
| 18 Month | $1,000 | 1.44% | 1.45% |
| 24 Month | $1,000 | 1.49% | 1.50% |
| 36 Month | $1,000 | 1.59% | 1.60% |
| 48 Month | $1,000 | 1.64% | 1.65% |
| 60 Month | $1,000 | 1.64% | 1.65% |
| Daily IRA Savings Account | $25 | 0.25% | 0.25% |
APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Fees may reduce earnings. Early withdrawal penalties may be imposed. Membership requirements apply.
Relationship CD/IRA Accounts no longer offered.
