Rates

Checking   |   Savings   |   457 (b) Accounts   |   Bump Certificates   |   CDs   |   Health Savings Account Certificates   |   IRAs   |   Money Market

Checking

Rates Effective 4/19/2014
Tier Annual Percentage Yield (APY)
Fusion Checking $0 - $25,000 2.25%1
  $25,000.01 or more 0.20%1
Platinum Checking Under $25,000 0.05%2
  $25,000 - $49,999 0.10%2
  $50,000 - $99,999 0.15%2
  $100,000 - $249,999 0.30%2
  $250,000 or greater 0.45%2
Interest Checking $0 - $2,499 0.05%2
  $2,500 - $24,999 0.10%2
  $25,000 - $49,999 0.10%2
  $50,000 or more 0.15%2
HSA Interest Checking $0 - $2,499 0.20%3
  $2,500 - $9,999 0.35%3
  $10,000 or more 0.55%3
Free Checking n/a n/a4
1The APY may change after account opening. Minimum amount to open a Fusion Checking is $25. To earn Fusion Checking rate during each requirement cycle you must have: 12 debit card transactions post and clear; receive your statement via eStatements; sign into Online Banking and have at least one Direct Debit or Credit post and clear. If account requirements are met, up to $25 of nationwide ATM fees will be refunded and you will receive the Fusion Rates. If the account requirements are not met, you will earn 0.10% APY and no ATM fees will be refunded. The requirements cycle begins on the last business day of the month and ends on the next to last business day of the month. All Fusion requirements must be met by the close of business on the last day of the requirement cycle. ATM transactions do not count toward the 12 check card transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned.
2The APY may change after account opening. Minimum amount to open an Interest Checking or Platinum Checking account is $25. There is a $1000 minimum balance requirement to avoid a service fee for interest checking and a $2500 minimum balance requirement to avoid a service fee for Platinum Checking. Fees may reduce earnings.
3The APY may change after account opening. There is a service fee if a minimum balance is not maintained in the plan. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.
4Minimum deposit to open a free checking account is $25.


Savings

Rates Effective 4/19/2014
Tier Annual Percentage Yield (APY)1
Regular Savings $0 - $499 0.00%
  $500 - $2,499 0.05%
  $2,500 - $9,999 0.10%
  $10,000 or more 0.15%
Holiday and Tax Account $0 - $499 0.00%
  $500 - $2,499 0.05%
  $2,500 - $9,999 0.10%
  $10,000 or more 0.15%
Youth Account n/a 0.15%
1The APY may change after account opening. Minimum amount to open a Savings, Youth Savings or Holiday and Tax Account is $5. Transaction restrictions apply.


457 (b) Accounts

Rates Effective 4/19/2014
Tier1 Annual Percentage Yield (APY)2
under $2,500 2.85%
$2,500 - $49,999 2.85%
$50,000 - $149,999 2.95%
$150,000 - $249,999 3.05%
$250,000 or more 3.15%
1Applicable balance tier is determined on an individual account basis.
2The APY may change after account opening. Contribution limits apply. See your plan sponsor for more information.


Bump Certificates1

Rates Effective
Term Tier Annual Percentage Yield (APY)
13 Month Bump $2,500 - $24,999 0.20%
  $25,000 - $49,999 0.30%
  $50,000 - $99,999 0.35%
  $100,000 or more 0.40%
1For 13-month bump rate certificates, you may increase your rate once during the certificate term to a rate currently in effect for our standard 12-month certificates. For all certificates, there may be a penalty for early withdrawal. For IRA certificates, there is a plan closure fee which may reduce earnings.


CDs1

Rates Effective 4/19/2014
Term Tier Annual Percentage Yield (APY)
Standard / IRA Certificate    
6 months $500 - $24,999 0.20%
  $25,000 - $49,999 0.25%
  $50,000 - $99,999 0.30%
  $100,000 or more 0.35%
12 Months $500 - $24,999 0.30%
  $25,000 - $49,999 0.35%
  $50,000 - $99,999 0.40%
  $100,000 or more 0.45%
24 Months $500 - $24,999 0.55%
  $25,000 - $49,999 0.60%
  $50,000 - $99,999 0.65%
  $100,000 or more 0.70%
36 Months $500 - $24,999 0.80%
  $25,000 - $49,999 0.85%
  $50,000 - $99,999 0.90%
  $100,000 or more 0.95%
13 Month Bump $2,500 - $24,999 0.20%
  $25,000 - $49,999 0.30%
  $50,000 - $99,999 0.35%
  $100,000 or more 0.40%
1For all certificates, there may be a penalty for early withdrawal. For IRA certificates, there is a plan closure fee which may reduce earnings.


Health Savings Account Certificates1

Rates Effective 4/19/2014
Tier Annual Percentage Yield (APY)
6 - 11 Months 0.20%
12 - 23 Months 0.35%
24 - 36 Months 0.55%
1Minimum amount to open an HSA Certificate account is $500. There is a service fee if a minimum balance is not maintained in the plan. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information. There may be a penalty for early withdrawal.


IRAs

Rates Effective 4/19/2014
Tier Annual Percentage Yield (APY)1
IRA Savings $0 - $2,499 0.05%
  $2,500 - $24,999 0.10%
  $25,000 - $49,999 0.20%
  $50,000 or more 0.30%
Premium IRA Savings $0 - $2,499 0.00%
  $2,500 - $24,999 0.05%
  $25,000 - $49,999 1.00%
  $50,000 or more 1.25%
1The APY may change after account opening. Minimum amount to open an IRA Savings or a Premium IRA Savings Account is $5. Transaction restrictions apply. IRA Plan closure fee may reduce earnings.


Money Market

Rates Effective 4/19/2014
Tier Annual Percentage Yield (APY)1
Money Market $0 - $2,499 0.00%
  $2,500 - $24,999 0.10%
  $25,000 - $49,999 0.20%
  $50,000 or more 0.30%
Premium Money Market under $2,500 0.00%
  $2,500 - $24,999 0.05%
  $25,000 - $49,999 0.10%
  $50,000 - $99,999 0.30%
  $100,000 - $249,999 0.50%
  $250,000 or more 0.65%
1The APY may change after account opening. Minimum amount to open a Money Market account is $2,500. Minimum amount to open a Premium Money Market account is $50,000. Transaction Limitations apply.