CHECKING
Effective date: 12/01/2023
Free Incredible Interest Checking1
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $5.00 – $15,000.00 | $3.00 | 1.49% | 1.50% |
| $15,000.01 or more | $15,000.01 | 0.10% | 0.10% |
| All balances if qualifications not met | $3.00 | 0.05% | 0.05% |
| 1Minimum deposit of $5.00 required to open the account. Balances up to $15,000.00 receive an APY of 1.50% if qualifications are met. Balances over $15,000.00 receive an APY of 0.10% on the portion of the balance over $15,000.00 if qualifications are met. Qualifications: 15 debit card point of sale (POS) transactions post and settle to your account per qualification cycle (transactions may take up to three (3) business days from the date of the transaction to post and settle to your account), receive your monthly statement electronically, and receive at least one direct deposit or ACH debit per qualification cycle. An APY of 0.05% applies to the entire balance if qualifications are not met. Qualification cycle means: a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to close of the current statement cycle (one day asynchronous – no weekend processing). A Point of Sale (POS) transaction is a payment method made in person (usually in retail stores) or online using a credit/debit card. ATM transactions are not a POS. Up to $25.00 in ATM fee refunds per cycle when qualifications are met (maximum fee of $4.99 per ATM transaction). This account may not to be used for commercial purposes. | |||
Premium Perks Checking2
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $61.00 – $5,000.00 | $61.00 | 0.10% | 0.10% |
| $5,000.01 or more | $5,000.01 | 0.15% | 0.15% |
| 2Minimum deposit of $5.00 required to open the account. Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $10.00. | |||
Remarkable Rewards Checking3
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $6.00 – $25,000.00 | $6.00 | 0.50% | 0.50% |
| $25,000.01 or more | $25,000.01 | 0.15% | 0.15% |
| All balances if qualifications not met | $61.00 | 0.05% | 0.05% |
| 3(Account no longer offered) Minimum deposit of $5.00 required to open the account. Balances up to $25,000.00 receive an APY of 0.50% if qualifications are met. Balances over $25,000.00 receive an APY of 0.15% if qualifications are met. Qualifications: 10 debit card point of sale (POS) transactions post and settle to your account per monthly qualification cycle (transactions may take up to three (3) business days from the date of the transaction to post and settle to your account), receive your monthly statement electronically, and receive at least one direct deposit or ACH debit per qualification cycle. An APY of 0.05% applies to the entire balance if qualifications are not met. Qualification cycle means: a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to close of the current statement cycle (one day asynchronous – no weekend processing). A Point of Sale (POS) transaction is a payment method made in person (usually in retail stores) or online using a credit/debit card. ATM transactions are not a POS. Unlimited ATM fee refunds per cycle when qualifications are met. This account may not to be used for commercial purposes. | |||
Top Tier Money Market Account4
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $25,000.00 – $100,000.00 | $25,000.00 | 1.00% | 1.00% |
| $100,000.01 – $250,000.00 | $100,000.01 | 1.98% | 2.00% |
| $250,000.01 – $500,000.00 | $250,000.01 | 2.47% | 2.50% |
| $500,000.01 or more | $500,000.01 | 2.96% | 3.00% |
| 4Minimum deposit of $25,000.00.00 required to open the account. Must maintain a minimum average ledger balance of $25,000.00 to avoid a monthly service charge fee of $30.00. Balances of $25,000.00 to $100,000.00 will receive an APY of 1.00%. Balances of $100,000.01 – $250,000.00 will receive an APY of 2.00%. Balances of $250,000.01- $500,000.00 will receive an APY of 2.50%. Balances of $500,000.01 or greater will receive an APY of 3.00%. E-statements are a requirement of the account. | |||
Incredible Interest Money Market Account5
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $12.00 – $250,000.00 | $12.00 | 0.75% | 0.75% |
| $250,000.01 or more | $250,000.01 | 0.25% | 0.25% |
| 5Minimum deposit of $25.000.00 required to open the account. Must maintain a minimum average ledger balance of $25,000.00 to avoid a monthly service charge fee of $30.00. Balances up to $250,000.00 receive an APY of 0.75%. Balances over $250,000.00 receive an APY of 0.25% on the portion of the balance over $250,000.00. E-statements are a requirement of the account. | |||
Premium Money Market Account6
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $61.00 – $49,999.99 | $61.00 | 0.15% | 0.15% |
| $50,000 or more | $50,000.00 | 0.30% | 0.30% |
| 6Minimum deposit of $1,000.00 required to open account. Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $5.00. | |||
For all accounts: APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Fees may reduce earnings. Membership requirements apply.
Membership/Basic Savings Account
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $5 | $61 | 0.10% | 0.10% |
Club Accounts
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $5 | $61 | 0.10% | 0.10% |
Sterling Set1
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $61.00 – $1,999.99 | $61 | 0.10% | 0.10% |
| $2,000.00 or more | $2,000.00 | 0.15% | 0.15% |
| 1Account no longer offered | |||
Premium Savings
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $40.00 – $50,000.00 | $40 | 0.15% | 0.15% |
| $50,000.01 or more | $50,000.01 | 0.35% | 0.35% |
Incredible Interest Savings2
| Balance | Minimum to Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| $12.00 – $250,000.00 | $12 | 1.00% | 1.00% |
| $250,000.01 or more | $250,000.01 | 0.10% | 0.10% |
| All balances if qualifications not met | $12.00 | 0.05% | 0.05% |
| 2Balances up to $250,000.00 receive an APY of 1.00% and balances over $250,000.00 earn 0.10% APY on the portion of the balance over $250,000.00 if Incredible Interest Checking qualifications are met. An APY of 0.05% applies to all balances if Incredible Interest Checking qualifications are not met. This account may not be used for commercial purposes. You must have an Incredible Interest Checking account in order to open an Incredible Interest with Savings account. | |||
For all accounts: APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Minimum deposit of $5.00 required to open. Fees may reduce earnings. Membership requirements apply.
| Term Share Certificates / Term Share IRAs |
Minimum to Open and Earn Dividend | Dividend Rate | APY |
|---|---|---|---|
| 3 Month | $500 | 0.50% | 0.50% |
| 6 Month | $500 | 0.65% | 0.65% |
| 7 Month Special1 | $500 | 4.26% | 4.35% |
| 1Advertised terms and APY are available for a limited time only and may be withdrawn without notice. | |||
| 9 Month Special1 | $500 | 3.92% | 4.00% |
| 1Advertised terms and APY are available for a limited time only and may be withdrawn without notice. | |||
| 12 Month | $500 | 2.47% | 2.50% |
| 18 Month | $500 | 3.68% | 3.75% |
| 24 Month | $500 | 3.44% | 3.50% |
| 36 Month | $500 | 1.49% | 1.50% |
| 48 Month | $500 | 1.98% | 2.00% |
| 60 Month | $500 | 2.96% | 3.00% |
| Daily IRA Savings Account | $5 | 0.25% | 0.25% |
For all accounts: APY – Annual Percentage Yield. Rates are subject to change and may change without notice. Fees may reduce earnings. Early withdrawal penalties may be imposed. Membership requirements apply.
