Deposit Rates

Deposit Account rates as of April 15, 2019. Rates are subject to change at any time.

Checking Accounts   |   Savings & Money Market Accounts   |   CDs   |   Retirement Accounts

Checking Accounts

Account1

Minimum Balance to Open

Minimum Daily Balance to Earn APY

Annual Percentage Yield (APY)

How to Avoid Monthly Maintenance Fees

Primary Banking

$100

$0

.05%

$1,000 average daily balance or 1 electronic direct deposit posted during the statement cycle

PrimaryPlus Banking

$100

$0

.05%

$1,000 average daily balance and combined deposit and loan balances of $10,000 or more OR maintain a CC5 Investment Services client relationship

Premier5 Banking

$100

$0

.05%

$1,000 average daily balance and combined deposit balances of $50,000 or more OR maintain a CC5 Trust and Asset Management relationship

1Rate may change after opening.


 

Savings & Money Markets

Savings Accounts1

Account

Minimum Balance to Open

Minimum Daily Balance to Earn APY

Annual Percentage Yield (APY)

Minimum Daily Balance to Avoid Monthly Maintenance Fees

Statement Savings

$10

$10

.05%

$10

Personal Money Market Accounts1

Account

Minimum Balance to Open

Minimum Daily Balance to Earn APY

Annual Percentage Yield (APY)

Minimum Daily Balance to Avoid Monthly Maintenance Fees

Personal Money Market Account

$2,500

$10 - $2,499.99

.05%

$2,500

   

$2,500 - $9,999.99

.05%

 
   

$10,000 - $24,999.99

.10%

 
   

$25,000 - $49,999.99

.20%

 
   

$50,000 - $99,999.99

.30%

 
   

$100,000+

.35%

 
PrimaryPlus Money Market2 $2,500 N/A 1.00% $2,500

Premier5 Money Market3

$2,500

N/A

1.50%

$2,500

1Rate may change after opening.
2Available exclusively to PrimaryPlus relationship customers. Learn more.
3Available exclusively to Premier5 relationship customers. Learn more.


 

Certificates of Deposit (CDs)

Higher CD rates are available to PrimaryPlus and Premier5 relationship customers. Learn how to qualify.

For additional rate information, visit a Banking Center or call our Customer Service Center at 888-225-4636.

 

Term1

Annual Percentage Yield (APY)

PrimaryPlus Banking APY3

Premier5 Banking APY4

91 Days2

.10%

.15%

.20%

6 Months

.20%

.25%

.30%

9 Months

.25%

.30%

.35%

10 Months

Open Now

2.20%

2.25%

2.30%

12 Months

.45%

.50%

.55%

18 Months

.65%

.70%

.75%

24 Months

.90%

.95%

1.00%

36 Months

1.40%

1.45%

1.50%

48 Months

1.40%

1.45%

1.50%

60 Months

1.90%

1.95%

2.00%

1Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal.
2There is one penalty-free withdrawal per term for any 91 days CD.
3Five Plan CDs earn the same APY as PrimaryPlus Banking relationship CDs.
4Cape Plan CDs earn the same APY as Premier5 Banking relationship CDs.

 

Ladder CDs

 

Term1

Minimum Balance to Open

Minimum Daily Balance to Earn APY

Annual Percentage Yield (APY)

12 Months

$10,000 Total (At Least $2,000 per Term)

N/A

.50%

24 Months

$10,000 Total (At Least $2,000 per Term)

N/A

1.05%

36 Months

$10,000 Total (At Least $2,000 per Term)

N/A

1.30%

48 Months

$10,000 Total (At Least $2,000 per Term)

N/A

1.55%

60 Months

$10,000 Total (At Least $2,000 per Term)

N/A

1.80%

1Minimum balance to open Ladder CDs is $10,000 total (at least $2,000 per term). A penalty may be imposed for early withdrawal.


 

Retirement Accounts (IRAs)

Higher Retirement Account rates are available to PrimaryPlus and Premier5 relationship customers. Learn how to qualify.

For additional rate information, visit a Banking Center or call our Customer Service Center at 888-225-4636.

Retirement Savings Accounts (IRAs)1

Account

Minimum Balance to Open

Minimum Daily Balance to Earn APY

Annual Percentage Yield (APY)

Savings

$10

$10

.05%

Retirement Certificates of Deposit (IRA CDs)1

Account

Annual Percentage Yield (APY)

PrimaryPlus Banking APY3

Premier5 Banking APY4

91 Days CD2

.10%

.15%

.20%

6 Months CD

.20%

.25%

.30%

9 Months CD

.25%

.30%

.35%

10 Months

Open Now

2.20%

2.25%

2.30%

12 Months CD

.45%

.50%

.55%

18 Months CD

.65%

.70%

.75%

24 Months CD

.90%

.95%

1.00%

36 Months CD

1.40%

1.45%

1.50%

48 Months CD

1.40%

1.45%

1.50%

60 Months CD

1.90%

1.95%

2.00%

1A penalty may be imposed for early withdrawal. Minimum balance to open IRAs is $1,000 unless otherwise noted.
2There is one penalty-free withdrawal per term for any 91 days CD. Minimum balance to open 91 days CD is $500.
3Five Plan CDs earn the same APY as PrimaryPlus Banking relationship CDs.
4Cape Plan CDs earn the same APY as Premier5 Banking relationship CDs.

 

Retirement Money Market Accounts1

Account

Minimum Balance to Open

Minimum Daily Balance to Earn APY

Annual Percentage Yield (APY)

Minimum Daily Balance to Avoid Monthly Maintenance Fees

Retirement Money Market Accounts

$10

$10 - $2,499.99

.05%

$0

   

$2,500 - $9,999.99

.05%

 
   

$10,000 - $24,999.99

.10%

 
   

$25,000 - $49,999.99

.20%

 
   

$50,000 - $99,999.99

.30%

 
   

$100,000+

.35%

 
Premier5 Money Market $2,500 N/A 1.50%  

1Rate may change after opening.


 

Annual Percentage Yield = Yield when principal and interest are left on deposit. Annual Percentage Yields greater than the Interest Rate show the effect of monthly compounding. Term accounts subject to penalty for early withdrawal. Effect of fees: Fees could reduce earnings on accounts.

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