Personal Deposit Interest Rates

Rates are effective February 1, 2018 and are subject to change without notice.

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  • Personal Checking

    Emerald Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% $5,000.00

    Gold Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% $750.00

    Military Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% None

    Interest Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% $750.00

    Silver Rewards 22/55 Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% $750.00

    Silver Interest 22/55 Checking

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% $750.00

  • Personal Savings

    Silver Savings

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% $250.00

    Retail Statement >/= 55 Years Old Savings

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% $250.00

    Enterprise Student Savings

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% None

    IRA Savings

    APY Interest Rate Average Daily Balance to Earn APY
    0.02% 0.02% None

    Transfers from a savings or money market account to another account or to third parties by preauthorized, automatic, telephone or data transfer or by check, draft, or similar order to third parties are limited to six per statement cycle.

  • Money Market

    Silver Money Market

    Tier (Balance) APY Interest Rate Average Daily Balance to Earn APY
    Tier 1 ($1 - $9,999) 0.02% 0.02% $1,000.00
    Tier 2 ($10,000 - $24,999) 0.05% 0.05% $1,000.00
    Tier 3 ($25,000 - $99,999) 0.05% 0.05% $1,000.00
    Tier 4 ($100,000 - $499,999) 0.05% 0.05% $1,000.00
    Tier 5 ($500,000 - $999,999) 0.10% 0.10% $1,000.00
    Tier 6 ($1,000,000 and above) 0.10% 0.10% $1,000.00

    Gold Money Market

    Tier (Balance) APY Interest Rate Average Daily Balance to Earn APY
    Tier 1 ($1 - $9,999) 0.05% 0.05% $1,000.00
    Tier 2 ($10,000 - $24,999) 0.10% 0.10% $1,000.00
    Tier 3 ($25,000 - $99,999) 0.20% 0.20% $1,000.00
    Tier 4 ($100,000 - $499,999) 0.35% 0.35% $1,000.00
    Tier 5 ($500,000 - $999,999) 0.35% 0.35% $1,000.00
    Tier 6 ($1,000,000 and above) 0.35% 0.35% $1,000.00

    Emerald Money Market

    Tier (Balance) APY  |  Bonus APY Interest Rate  |  Bonus Rate Average Daily Balance to Earn APY
    Tier 1 ($1 - $9,999) 0.05%  |  0.05% 0.05%  |  0.05% $10,000.00
    Tier 2 ($10,000 - $24,999) 0.10%  |  0.10% 0.10%  |  0.10% $10,000.00
    Tier 3 ($25,000 - $99,999) 0.20%  |  0.75% 0.20%  |  0.75% $10,000.00
    Tier 4 ($100,000 - $499,999) 0.35%  |  1.50% 0.35%  |  1.49% $10,000.00
    Tier 5 ($500,000 - $999,999) 0.35%  |  1.50% 0.35%  |  1.49% $10,000.00
    Tier 6 ($1,000,000 and above) 0.35%  |  1.50% 0.35%  |  1.49% $10,000.00

    Gold Money Market Account is available to Emerald Checking or Gold Checking account customers only. Interest accrues on money market accounts from $.01, but is not paid unless the minimum average daily balance to earn APY is maintained for the monthly statement cycle. Transfers from a savings or money market account to another account or to third parties by preauthorized, automatic, telephone or data transfer or by check, draft, or similar order to third parties are limited to six per statement cycle.

  • Personal CDs and IRAs

    Personal CDs and IRAs

    Period APY Interest Rate Average Daily Balance to Earn APY
    1 Month 0.10% 0.10% $2,500.00
    2 Month 0.15% 0.15% $2,500.00
    3 Month 0.20% 0.20% $2,500.00
    4 Month 0.20% 0.20% $2,500.00
    5 Month 0.20% 0.20% $2,500.00
    6 Month 0.30% 0.30% $2,500.00
    7 Month 0.30% 0.30% $2,500.00
    8 Month 0.30% 0.30% $2,500.00
    9 Month 1.85% 1.85% $2,500.00
    10 Month 1.85% 1.85% $2,500.00
    11 Month 1.85% 1.85% $2,500.00
    12 Month 0.60% 0.60% $500.00
    13 Month 1.25% 1.24% $500.00
    18 Month 2.25% 2.23% $500.00
    24 Month 2.50% 2.47% $500.00
    30 Month 2.65% 2.62% $500.00
    36 Month 1.20% 1.19% $500.00
    48 Month 1.50% 1.49% $500.00
    60 Month 1.85% 1.83% $500.00
    72 Month 2.10% 2.08% $500.00

    A penalty may be imposed for early withdrawal from a CD. For CDs with terms of less than 12 months, interest is not compounded and will be paid at maturity. For CDs with terms of 12 months or greater, interest will be compounded and paid monthly.

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