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Interest Rates
Effective date: 5-7-2013
| Now Account* | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| Under $2,500 | .05% | .05% | ||||
| $2,500+ | .05% | .05% | ||||
| $100.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01. | ||||||
| Savings Account* | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| Under $2,500 | .10% | .10% | ||||
| $2,500 - $4,999 | .10% | .10% | ||||
| $5,000 - $9,999 | .15% | .15% | ||||
| $10,000+ | .20% | .20% | ||||
| $100.00 minimum deposit to open account. The minumim balance required to obtain the APY is $0.01. | ||||||
| Money Market Savings* | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| Under $2,500 | .10% | .10% | ||||
| $2,500 - $4,999 | .10% | .10% | ||||
| $5,000 - $24,999 | .15% | .15% | ||||
| $25,000+ | .20% | .20% | ||||
| $100.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01. | ||||||
| Money Tree Savings* | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| All Balances | .40% | .40% | ||||
| $10.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01. | ||||||
5-7-2013
| 6 Month CD** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $1,000+ | .05% | .05% | ||||
| $10,000+ | .20% | .20% | ||||
| $100,000+ | .20% | .20% | ||||
| $1,000.00 minimum deposit to open account. | ||||||
| 12 Month CD** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $1,000+ | .25% | .25% | ||||
| $10,000+ | .40% | .40% | ||||
| $100,000+ | .40% | .40% | ||||
| $1,000.00 minimum deposit to open account. | ||||||
| 18 Month CD** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $1,000+ | .35% | .35% | ||||
| $10,000+ | .50% | .50% | ||||
| $100,000+ | .50% | .50% | ||||
| $1,000.00 minimum deposit to open account. | ||||||
| 24 Month CD** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $1,000+ | .45% | .45% | ||||
| $10,000+ | .60% | .60% | ||||
| $100,000+ | .60% | .60% | ||||
| $1,000.00 minimum deposit to open account. | ||||||
| Money Tree 36 Month CD** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $250+ | .55% | .55% | ||||
| $250.00 minimum deposit to open account. | ||||||
| 36 Month CD** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $1,000+ | .55% | .55% | ||||
| $10,000+ | .90% | .90% | ||||
| $100,000+ | .90% | .90% | ||||
| $1,000.00 minimum deposit to open account. | ||||||
| 48 Month CD** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $1,000+ | 1.00% | 1.00% | ||||
| $10,000+ | 1.25% | 1.25% | ||||
| $100,000+ | 1.25% | 1.25% | ||||
| $1,000.00 minimum deposit to open account. | ||||||
| 60 Month CD** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $1,000+ | 1.25% | 1.25% | ||||
| $10,000+ | 1.40% | 1.40% | ||||
| $100,000+ | 1.40% | 1.40% | ||||
| $1,000.00 minimum deposit to open account. | ||||||
| 18 Month IRA* ** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $10 | .75% | .75% | ||||
| $10.00 minimum deposit to open account | ||||||
| 60 Month IRA and 60 Month Roth IRA* ** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $1,000 | 1.40% | 1.40% | ||||
| $1,000.00 minimum deposit to open account. | ||||||
| 12 Month Roth IRA* ** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $25 | .50% | .50% | ||||
| $25.00 minimum deposit to open account. | ||||||
| 12 Month Coverdell Educational Savings Acct* ** | ||||||
| Balance | Interest Rate | Annual Percentage Yield | ||||
| $25 | .50% | .50% | ||||
| $25.00 minimum deposit to open account. | ||||||
| Heritage Club Receives The $10,000+ Tier APY If Balance Is < $100,000 | ||||||
Balance: The amount of principal in the account each day.
*The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account.
**A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.