| Smart Point Checking | APY | Interest Rate |
|---|---|---|
| Balances between $.01-$20,000 | 1.00% | 1.00% |
| Balances over $20,000 | .05% | .05% |
Rates
| Money Market Checking | APY | Interest Rate |
|---|---|---|
| Balances between $0-$9,999 | .05% | .05% |
| Balances between $10,000-$49,999 | .10% | .10% |
| Balances over $50,000 | .15% | .15% |
| Other Rates | APY | Interest Rate |
|---|---|---|
| 1893 Savings Account & Junior Savings Account* | .25% | .25% |
| HSA* | .75% | .75% |
|
*Minimum balance to open is $50
|
- CD & savings Annual Percentage Yields are based on quarterly compounding.
- Checking Annual Percentage Yield is based on monthly compounding.
- Fees could reduce earnings on the accounts.
- Interest rate and Annual Percentage Yields may change on variable rate accounts.
| Certificates of Deposit & IRAs | APY | Interest Rate | Minimum Balance* |
|---|---|---|---|
|
91 Days
|
.10% | .10% | $1000 |
| 6 Month | .15% | .15% | $500 |
| 1 Year | .25% | .25% | $500 |
| 2 Year | .35% | .35% | $500 |
| 3 Year | .60% | .60% | $500 |
| 4 Year | .70% | .70% | $500 |
| 5 Year | .90% | .90% | $500 |
|
Variable IRA-18 month
This rate may change after account is opened.
|
.35% | .35% | $50 |
- Fixed rate IRA are subject to above rates
- Substantial penalty for early withdrawal