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Current Rates

Interest Rates and Annual Percentage Yields are current as of April 1, 2014.   

Business Checking Accounts Opening Deposit Interest Rate* Annual Percentage Yield*
Business Basic Checking $100 N/A N/A
Business Interest Checking $100 0.10% 0.10%
Business Analyzed Checking** $100 N/A N/A
IOLTA, Legal $100 0.10% 0.10%
IOLTA, Escrow $100 0.10% 0.10%
Business Savings Account*** Opening Deposit Interest Rate* Annual Percentage Yield*
Business Savings $150 0.10% 0.10%
Business Money Market*** Opening Deposit Interest Rate* Annual Percentage Yield*
Under $50,000 $2,500 0.20% 0.20%
$50,000 - $99,999 $2,500 0.20% 0.20%
$100,000 - $499,999 $2,500 0.35% 0.35%
$500,000 - $999,999 $2,500 0.35% 0.35%
$1,000,000+ $2,500 0.40% 0.40%
Business AdvantagePlus
Money Market***
Opening Deposit Interest Rate* Annual Percentage Yield*
Under $250,000 $25,000 0.20% 0.20%
$250,000 - $499,999 $25,000 0.25% 0.25%
$500,000 - $999,999 $25,000 0.35% 0.35%
$1,000,000 – $1,499,999 $25,000 0.40% 0.40%
$1,500,000 + $25,000 0.40% 0.40%
Business Certificates of Deposit
(CDs less than $100,000)
Opening Deposit Interest Rate* Annual Percentage Yield*
90 Days $500 0.15% 0.15%
180 Days $500 0.25% 0.25%
One Year $500 0.35% 0.35%
Two Years $500 0.50% 0.50%
Three Years $500 0.65% 0.65%
Five Years $500 0.80% 0.80%
Business Certificates of Deposit
(CDs $100,000 Plus)
Opening Deposit Interest Rate* Annual Percentage Yield*
90 Days $100,000 0.15% 0.15%
180 Days $100,000 0.25% 0.25%
One Year $100,000 0.40% 0.40%
Two Years $100,000 0.55% 0.55%
Three Years $100,000 0.70% 0.70%
Five Years $100,000 0.85% 0.85%
Personal Checking Accounts Opening Deposit Interest Rate* Annual Percentage Yield*
Personal Checking $100 N/A N/A
Personal Interest Checking $100 0.10% 0.10%
Personal Savings Account*** Opening Deposit Interest Rate* Annual Percentage Yield*
Personal Savings $150 0.10% 0.10%
Personal Money Market*** Opening Deposit Interest Rate* Annual Percentage Yield*
Under $50,000 $1,000 0.20% 0.20%
$50,000 - $99,999 $1,000 0.20% 0.20%
$100,000 - $499,999 $1,000 0.35% 0.35%
$500,000 - $999,999 $1,000 0.35% 0.35%
$1,000,000+ $1,000 0.40% 0.40%
Personal AdvantagePlus
Money Market***
Opening Deposit Interest Rate* Annual Percentage Yield*
Under $250,000 $25,000 0.20% 0.20%
$250,000 - $499,999 $25,000 0.25% 0.25%
$500,000 - $999,999 $25,000 0.35% 0.35%
$1,000,000 – $1,499,999 $25,000 0.40% 0.40%
$1,500,000 + $25,000 0.40% 0.40%
Personal Certificates of Deposit
(CDs less than $100,000)
Opening Deposit Interest Rate* Annual Percentage Yield*
90 Days $500 0.15% 0.15%
180 Days $500 0.25% 0.25%
One Year $500 0.35% 0.35%
Two Years $500 0.50% 0.50%
Three Years $500 0.65% 0.65%
Five Years $500 0.80% 0.80%
Personal Certificates of Deposit
(CDs $100,000 Plus)
Opening Deposit Interest Rate* Annual Percentage Yield*
90 Days $100,000 0.15% 0.15%
180 Days $100,000 0.25% 0.25%
One Year $100,000 0.40% 0.40%
Two Years $100,000 0.55% 0.55%
Three Years $100,000 0.70% 0.70%
Five Years $100,000 0.85% 0.85%
Personal IRA
Individual Retirement Account
(CDs less than $100,000)
Opening Deposit Interest Rate* Annual Percentage Yield*
180 Days $500 0.25% 0.25%
One Year $500 0.35% 0.35%
Personal IRA
Individual Retirement Account
(CDs $100,000 Plus)
Opening Deposit Interest Rate* Annual Percentage Yield*
180 Days $100,000 0.25% 0.25%
One Year $100,000 0.40% 0.40%

 

Other Rates  
Prime Rates 3.25%
Earnings Credit Rate** 0.55%
Uncollected Funds Rate 7.50%

 

Fees could reduce earnings.  A penalty may be imposed for early CD withdrawal and early non-qualifying IRA withdrawals.  Rates are subject to change after account opening.

*Interest rates and annual percentage yields are accurate today only and are subject to change without notice.

**An Earnings Credit Rate may be applied towards Analysis Checking service charges only, and is calculated on the account’s average collected balance less the 10% Federal Reserve requirement.  

***Regulation D - Withdrawals or transfers out of your money market and savings accounts are limited by federal law.  During any monthly statement period, you may make no more than 6 withdrawals or transfers (for example by check, debit card, ACH, telephone, Personal or Business Online Banking) out of these accounts. However, this limit does not apply to withdrawals made in person or through ATMs, mail (by a check payable and mailed to you), or messenger.