Rates effective as of August 16, 2016

APY = Annual Percentage Yield

Fees may reduce earnings.


Account NameBalanceInterest RateAPY*CompoundedMin to Open
The Big Account*$0 to $15,0001.09%1.10%Monthly$100.00
$15,001 and over0.10%1.10% to 0.10%Monthly$100.00
If qualifications are not met.0.05%0.05%Monthly$100.00
Regular NOW$1 and over0.05%0.05%Monthly$100.00
MM Super NOW$1 to $2,4990.10%0.10%Monthly$100.00
$2,500 and over0.15%0.15%Monthly$100.00


It's easy to earn rewards on The Big Account. To earn your rewards, use this account to do the following activities each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) post and settle
  • Be enrolled and receive eStatements
  • Be enrolled and log into online banking

Certificates of Deposit†

TermInterest RateAPY*CompoundedMin to Open
91 Day Certificate0.05%0.05%Maturity$1,000
182 Day Certificate0.10%0.10%Maturity$1,000
12 Month Certificate0.15%0.15%Quarterly$1,000
18 Month Certificate0.20%0.20%Quarterly$1,000
24 Month Certificate0.25%0.25%Quarterly$1,000
30 Month Certificate0.30%0.30%Quarterly$1,000
36 Month Certificate0.35%0.36%Quarterly$1,000
48 Month Certificate0.45%0.46%Quarterly$1,000
†Penalties may apply for early withdrawals.


Account NameBalanceInterest RateAPY*CompoundedMin to Open
Answer Account$1 - $9,9990.05%0.05%Monthly$100
$10,000 - $24,9990.05%0.05%Monthly$100
$25,000 - $49,9990.10%0.10%Monthly$100
$50,000 - $99,9990.10%0.10%Monthly$100
$100,000 - $199,9990.15%0.15%Monthly$100
$200,000 and over0.15%0.15%Monthly$100
Business SavingsN/A0.05%0.05%Monthly$100
Regular SavingsN/A0.05%0.05%Monthly$100
Christmas ClubN/A0.25%0.25%Maturity$5
Health Savings Account$1 - $10,0000.30%0.32%Quarterly$1
$10,001 - $25,0000.40%0.42%Quarterly$10,001
$25,001 - $50,0000.50%0.52%Quarterly$25,001
$50,001 and over0.60%0.62%Quarterly$50,001
IRAs (Variable)$1 - $10,0000.30%0.32%Quarterly$1
$10,001 - $25,0000.40%0.42%Quarterly$10,001
$25,001 - $50,0000.50%0.52%Quarterly$25,001
$50,001 and over0.60%0.62%Quarterly$50,001

*APY=Annual Percentage Yield. APYs accurate as of 08/16/2016. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 1.10%; and (3) balances over $15,000 earn 0.10% interest rate on portion of balance over $15,000, resulting in 1.10% to 0.10% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one account per SSN.