CHECKING
Effective date: 12/06/2022
| Account Name | Minimum to Open | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|---|
| Free Incredible Interest Checking1 | $5 | $3-$15,000.00 | 1.49% | 1.50% |
| $15,000.01 or more | 0.10% | 0.10% | ||
| Premium Perks Checking3 | $5 | $61 – $5,000.00 | 0.10% | 0.10% |
| $5,000.01 or more | 0.15% | 0.15% | ||
| Remarkable Rewards Checking2 | $5 | $6 – $25,000 | 0.50% | 0.50% |
| $25,000.01 or more | 0.15% | 0.15% | ||
| Incredible Interest Money Market Account 4 | $25,000 | $12 – $250,000 | 0.75% | 0.75% |
| $250,000.01 or more | 0.25% | 0.25% | ||
| Premium Money Market Account5 | $1,000 | $61 – $49,999.99 | 0.15% | 0.15% |
| $50,000 or more | 0.30% | 0.30% |
APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Fees may reduce earnings. Membership requirements apply.
1 Incredible Interest qualifications each cycle: you must have 15 debit card point of sale (POS) transactions 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 to your account), 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 per qualification cycle. 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). This account may not to be used for commercial purposes. Membership requirements apply. Up to $25 in ATM fee refunds per cycle when qualifications are met (maximum fee of $4.99 per ATM transaction). Balances up to $15,000 receive an APY of 1.50% if qualifications are met. 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.
2 (No longer offered) Remarkable Rewards Checking Qualifications each cycle: you must have 10 debit card point of sale (POS) transactions 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 to your account). 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 per qualification cycle. 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). Unlimited ATM fee refunds per cycle when qualifications are met. This account may not to be used for commercial purposes. Membership requirements apply. Deposit Interest rate tiers are as follows: 0.50% APY applies to balances of $.01 – $25,000 and 0.15% 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.
3 Monthly service charge of $10 if balance falls below $1,000 minimum balance per statement cycle.
4 An average ledger balance a of $25,000.00 must be maintained in your account to avoid a service charge fee. If, during any statement cycle, your average ledger balance falls below the required minimum average ledger balance, your account will be subject to a service charge fee of $30.00 for that statement cycle. E-statements are a requirement of the account. Fees may reduce earnings. Membership requirements apply. Balances up to $250,000.00 receive an APY of 0.75%. Balances over $250,000.00 receive an APY of 0.25% on the portion of the balance over $250,000.00.
5 Monthly service charge of $5 if balance falls below $1,000 minimum balance per statement cycle.
SAVINGS
Effective date: 12/06/2022
| Account Name | Minimum to Open | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|---|
| Membership Savings Account | $5 | $61 | 0.10% | 0.10% |
| Club Accounts | $5 | $61 | 0.10% | 0.10% |
| Sterling Set2 | $5 | $61 – $1,999.99 | 0.10% | 0.10% |
| $2,000 or more | 0.15% | 0.15% | ||
| Premium Savings | $5 | $40 – $50,000 | 0.15% | 0.15% |
| $50,000.01 or more | 0.35% | 0.35% | ||
| Incredible Interest Savings1 | $5 | $12 – $250,000 | 1.00% | 1.00% |
| $250,000.01 or more | 0.10% | 0.10% |
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. $5.00 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.
2Account no longer offered
CD/IRA
Effective date: 02/22/2023
| Minimum to Open and Earn Dividend | Dividend Rate | APY | |
|---|---|---|---|
| Term Share Certificates | |||
| 3 Month | $500 | 0.50% | 0.50% |
| 6 Month | $500 | 0.65% | 0.65% |
| 9 Month Special1 | $500 | 4.16% | 4.25% |
| 12 Month | $500 | 1.00% | 1.00% |
| 13 Month Special1 | $500 | 4.16% | 4.25% |
| 17 Month Special1 | $500 | 4.31% | 4.40% |
| 18 Month | $500 | 1.00% | 1.00% |
| 24 Month | $500 | 1.19% | 1.20% |
| 36 Month | $500 | 1.49% | 1.50% |
| 48 Month | $500 | 1.98% | 2.00% |
| 60 Month | $500 | 2.96% | 3.00% |
| Term Share IRAs | |||
| 12 Month | $500 | 1.00% | 1.00% |
| 13 Month Special1 | $500 | 4.16% | 4.25% |
| 17 Month Special1 | $500 | 4.31% | 4.40% |
| 18 Month | $500 | 1.00% | 1.00% |
| 24 Month | $500 | 1.19% | 1.20% |
| 36 Month | $500 | 1.49% | 1.50% |
| 48 Month | $500 | 1.98% | 2.00% |
| 60 Month | $500 | 2.96% | 3.00% |
| Daily IRA Savings Account | $5 | 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.
1Terms and APY are available for a limited time only and may be withdrawn without notice.
Relationship CD/IRA Accounts no longer offered.
