Deposit Rates

Deposit Account rates as of December 9, 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

0.05%

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

PrimaryPlus Banking

$100

$0

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

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

 

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 Account

$10

$10

0.05%

$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 Accounts

$2,500

$10 - $2,499.99

0.05%

$2,500

   

$2,500 - $9,999.99

0.05%

 
   

$10,000 - $24,999.99

0.10%

 
   

$25,000 - $49,999.99

0.20%

 
   

$50,000 - $99,999.99

0.30%

 
   

$100,000+

0.35%

 
PrimaryPlus Money Market Account2 $2,500 N/A 0.50% $2,500

Premier5 Money Market Account3

$2,500

N/A

1.00%

$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)4

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.

   

Term

Annual Percentage Yield (APY)

PrimaryPlus Banking APY

Premier5 Banking APY

91 Day CD5

0.10%

0.15%

0.20%

6 Month CD

0.20%

0.25%

0.30%

8 Month CD

Open Online

1.65% 1.70% 1.75%

9 Month CD

0.25%

0.30%

0.35%

12 Month CD

0.45%

0.50%

0.55%

18 Month CD

0.65%

0.70%

0.75%

24 Month CD

0.90%

0.95%

1.00%

36 Month CD

0.90%

0.95%

1.00%

48 Month CD

1.20%

1.25%

1.30%

60 Month CD

1.25%

1.30%

1.35%

60 Month Ladder CD6 1.25% 1.25% 1.25%

4Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal.
5There is one penalty-free withdrawal per term for any 91 day CD (only after the first six days of the deposit's term) .
Product discontinued: rate applies to all renewing Ladder CDs. 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 Account

$10

$10

0.05%

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

0.05%

$0

 

 

$2,500 - $9,999.99

0.05%

 

 

  $10,000 - $24,999.99 0.10%  

 

 

$25,000 - $49,999.99

0.20%

 

 

 

$50,000 - $99,999.99

0.30%

 

 

 

$100,000+

0.35%

 
Premier5 Retirement Money Market Account2 $2,500 N/A 1.00%  

Retirement Certificates of Deposit (IRA CDs)3

Account

Annual Percentage Yield (APY)

PrimaryPlus Banking APY

Premier5 Banking APY

91 Day CD4

0.10%

0.15%

0.20%

6 Month CD 0.20%

0.25%

0.30%

8 Month CD 1.65% 1.70% 1.75%
9 Month CD 0.25%

0.30%

0.35%

12 Month CD 0.45%

0.50%

0.55%

18 Month CD 0.65%

0.70%

0.75%

24 Month CD 0.90%

0.95%

1.00%

36 Month CD 0.90% 0.95% 1.00%
48 Month CD 1.20% 1.25% 1.30%
60 Month CD 1.25% 1.30% 1.35%
60 Month Ladder CD5 1.25% 1.25% 1.25%

1Rate may change after opening.
2Available exclusively to Premier5 relationship customers. Learn more.
3Minimum balance to open IRAs is $1,000 unless otherwise noted. Penalty may be imposed for early withdrawal.
4There is one penalty-free withdrawal per term for any 91 Day CD (only after the first six days of the deposit's term). Minimum balance to open 91 Day CD is $500. Account may be opened with $25 when electronic deposits are established. 
5Product discontinued; rate applies to all renewing Ladder CDs. A penalty may be imposed for early withdrawal.


 

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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