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Personal Deposit Interest Rates

Rates are effective November 1, 2023 and are subject to change without notice. APY refers to Annual Percentage Yield. Fees may reduce earnings on all accounts. Rates may vary after account opening with the exception of CD rates which are guaranteed for the full length of the term.

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  • Personal Checking

    Emerald Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.01% 0.01% $5,000.00

    Gold Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.01% 0.01% $750.00

    Silver Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.01% 0.01% $750.00

    Military Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.01% 0.01% None

  • Personal Savings

    Silver Savings

    APY Interest Rate Average Daily Balance to Earn APY
    0.01% 0.01% $250.00

    55 Plus Savings

    APY Interest Rate Average Daily Balance to Earn APY
    0.01% 0.01% $250.00

    Student Savings

    APY Interest Rate Average Daily Balance to Earn APY
    0.01% 0.01% None

    IRA Savings

    APY Interest Rate Average Daily Balance to Earn APY
    0.01% 0.01% None

    Transfers from a personal savings or money market account to another account or to third parties by preauthorized, automatic, telephone or data transfer or by check, draft, or similar order to third parties are limited to ten per statement cycle.

  • Money Market Checking

    Silver Money Market Checking 

    Tier (Balance) APY Interest Rate Average Daily Balance to Earn APY
    Tier 1 ($1 - $9,999) 0.01% 0.01% $1,000.00
    Tier 2 ($10,000 - $24,999) 0.05% 0.05% $1,000.00
    Tier 3 ($25,000 - $99,999) 0.10 % 0.10% $1,000.00
    Tier 4 ($100,000 - $499,999) 0.10% 0.10% $1,000.00
    Tier 5 ($500,000 - $999,999) 0.15% 0.15% $1,000.00
    Tier 6 ($1,000,000 and above) 0.15% 0.15% $1,000.00

    Gold Money Market Checking*

    Tier (Balance) APY Interest Rate Average Daily Balance to Earn APY
    Tier 1 ($1 - $9,999) 0.01% 0.01% $1,000.00
    Tier 2 ($10,000 - $24,999) 0.05% 0.05% $1,000.00
    Tier 3 ($25,000 - $99,999) 0.10% 0.10% $1,000.00
    Tier 4 ($100,000 - $499,999) 0.15% 0.15% $1,000.00
    Tier 5 ($500,000 - $999,999) 0.20% 0.20% $1,000.00
    Tier 6 ($1,000,000 and above) 0.30% 0.30% $1,000.00

    Emerald Money Market Checking**

    Tier (Balance) APY  |  Bonus APY Interest Rate  |  Bonus Rate Average Daily Balance to Earn APY
    Tier 1 ($1 - $9,999) 0.01%  |  0.01% 0.01%  |  0.01% $10,000.00
    Tier 2 ($10,000 - $24,999) 0.05%  |  0.40% 0.05%  |  0.40% $10,000.00
    Tier 3 ($25,000 - $99,999) 0.10%  |  0.75% 0.10%  |  0.75% $10,000.00
    Tier 4 ($100,000 - $499,999) 0.15%  |  1.25% 0.15%  |  1.24% $10,000.00
    Tier 5 ($500,000 - $999,999) 0.20%  |  1.50% 0.20%  |  1.49% $10,000.00
    Tier 6 ($1,000,000 and above) 0.30%  |  1.50% 0.30%  |  1.49% $10,000.00

    Interest accrues on money market checking accounts from $.01, but is not paid unless the minimum average daily balance to earn APY is maintained for the monthly statement cycle. Transfers from a personal savings or money market checking account to another account or to third parties by preauthorized, automatic, telephone or data transfer or by check, draft, or similar order to third parties are limited to ten per statement cycle.

    *Gold Money Market Checking Account is available to Emerald Checking or Gold Checking account customers only.

    **Emerald Money Market Checking Account: The APY is effective as of 10/01/2023. Rates may vary after account opening. In order to earn the advertised APY, certain Bonus Rate Criteria1 must be met. A minimum average daily available balance of $10,000 in the Emerald Money Market Checking account or $50,000 in combined consumer deposit accounts is required to avoid the monthly maintenance charge of $25. A minimum average daily balance of $10,000 is required to obtain the APY. Interest will accrue on this account from $0.01, but will not be paid unless the minimum balance of $10,000 is maintained. If the primary account holder meets the Bonus Rate Criteria1 for the monthly statement cycle, then the bonus APY is used, otherwise the standard APY is used for that monthly statement cycle. For accounts which do not meet the criteria, the Gold Money Market Checking rates apply.

    1 Bonus Rate Criteria: The account must be active, the primary account holder must maintain a companion Emerald Checking account 2 and at least two of the following four criteria must be met during the monthly statement cycle; (1) make at least two mobile deposits into the account, (2) the account is continuously enrolled in electronic statements, (3) the account has an average daily available balance of at least $10,000, (4) the combined consumer deposit account average daily available balances are at least $50,000.

    2 You must have an Emerald Checking account to open an Emerald Money Market Checking account. A minimum deposit of $50 is required to open the Emerald Checking account and a minimum average daily available balance of $5,000 in the Emerald Checking account or $15,000 in combined deposit accounts is required to avoid the monthly maintenance charge $25.

  • CDs and IRAs

    CDs and IRAs

    Period APY Interest Rate Average Daily Balance to Earn APY
    3 Months 1.00% 1.00% $2,500.00
    6 Months 1.35% 1.35% $2,500.00
    8 Months 5.00% 4.96% $2,500.00
    9 Months 1.35% 1.35% $2,500.00
    12 Months 2.00% 1.98% $500.00
    14 Months 4.00% 3.93% $500.00
    18 Months 2.10% 2.08% $500.00
    24 Months 2.25% 2.23% $500.00
    30 Months 2.25% 2.23% $500.00
    36 Months 2.25% 2.23% $500.00
    48 Months 2.50% 2.47% $500.00
    60 Months 2.50% 2.47% $500.00
    72 Months 2.50% 2.47% $500.00

    A penalty may be imposed for early withdrawal from a CD. For CDs with terms of less than 12 months, interest is not compounded and will be paid at maturity. For CDs with terms of 12 months or greater, interest will be compounded and paid monthly. Not all terms are available for IRA accounts. Other terms and rates may be available, please contact us for details.

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