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Savings Rates

Savings Account - Personal/Business
Effective Date: Monday, September 24th, 2018
Minimum BalanceRateAPY*
Share Savings Account    
$100.00 and over** 0.05% 0.05%
**Minimum balance waived to Earnosaurus Club and Student Accounts.
KASASA SAVER*    
$0.00 - $25,000 0.50% 0.50%
$25,000+ 0.25% 0.25%
*Kasasa Saver: A dividend rate of 0.50% APY will be paid on the portion of your daily balance that is less than or equal to $25,000. A dividend rate of 0.25% will be paid on the portion of your daily balance that is greater than $25,000. The annual percentage yield for this tier will range from 0.30% to 0.50% APY depending on the account’s balance

Checking Accounts
Effective Date: Monday, September 24th, 2018
RateAPY*
KASASA CASH **Qualifying Account Rate    
$0.00 - $10,000 2.00% 2.00%
Amount over $10,000 0.25% 0.25%
KASASA CASH **Non-Qualifying Account Rate    
Entire Balance 0.05% 0.05%
Earn Dividends if meeting requirements: To earn your rewards, the following transactions and activities in your Kasasa Cash Account must occur during the Monthly Qualification Cycle: Minimum of 12 PIN-based or signature-based debit card purchases post and settle during the Monthly Qualification Cycle. Must be enrolled in online banking and access your account online or via your mobile device once per month. Refer to Kasasa disclosures for full requirements.
Community Checking **Existing Accounts Only    
$0 - $4,999.99 0.15% 0.15%
$5,000 - $9,999.99 0.50% 0.50%
$10,000 - $15,000 1.00% 1.00%
$15,000 and over 0.15% 0.15%
Earn Dividends if meeting ALL 3 requirements: E-Statements AND qualifying direct deposit ($100 or more) AND Seven (7) debit card purchases in a month. Bonus Dividend of .15% in each tier for fifteen (15) or more debit card purchases a month.
Premium Plus Checking **Existing Accounts Only 0.10% 0.10%
Business Checking    
$0 - $499.99 0.05% 0.05%
$500 - $1,999.99 0.50% 0.50%
$2,000 and over 0.75% 0.75%

Money Market Accounts - Personal/Business
Effective Date: Monday, September 24th, 2018
Minimum BalanceRateAPY*
Money Market
$2,500 - $9,999.99 0.15% 0.15%
$10,000 - $19,999.99 0.15% 0.15%
$20,000 - $39,999.99 0.15% 0.15%
$40,000 - $49,999.99 0.20% 0.20%
$50.000 - $99,999.99 0.20% 0.20%
$100,000.00 and over 0.25% 0.25%
Premium Plus Money Market
$0 - $25,000.00 0.15% 0.15%
$25,000 - $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.25% 0.20%
$100,000.00 and over 0.35% 0.35%

Share Certificate
Effective Date: Monday, September 24th, 2018
Minimum BalanceRateAPY*
90 Day
$1,000 - $9,999.99 0.20% 0.20%
$10,000 - $39,999.99 0.25% 0.25%
$40,000 and over 0.30% 0.30%
6 Month
$1,000 - $9,999.99 0.30% 0.30%
$10,000 - $39,999.99 0.35% 0.35%
$40,000 and over 0.40% 0.40%
12 Month
$1,000 - $9,999.99 0.55% 0.55%
$10,000 - $39,999.99 0.60% 0.60%
$40,000 and over 0.65% 0.65%
24 Month
$1,000 - $9,999.99 1.10% 1.11%
$10,000 - $39,999.99 1.15% 1.16%
$40,000 and over 1.20% 1.21%
Student Certificate (13-21)
Optional Term 1.00% 1.00%

Share Certificates
Effective Date: Monday, September 24th, 2018
TermRateAPY*
36 Month - No Bump 1.25% 1.26%
48 Month - One Bump 1.50% 1.51%
60 Month - One Bump 1.70% 1.70%

Individual Retirement Certificates
Effective Date: Monday, September 24th, 2018
Minimum BalanceRateAPY*
12 Month
$1,000 - $9,999.99 0.55% 0.55%
$10,000 - $39,999.99 0.60% 0.60%
$40,000 and over 0.65% 0.65%
24 Month
$1,000 - $9,999.99 1.10% 1.11%
$10,000 - $39,999.99 1.15% 1.16%
$40,000 and over 1.20% 1.21%
36 Month
$1,000 - $9,999.99 1.25% 1.26%
$10,000 - $39,999.99 1.30% 1.31%
$40,000 and over 1.35% 1.36%

IRA Accumulator**
Effective Date: Monday, September 24th, 2018
Minimum BalanceAPY*
The first $25.00 - $999.99 0.10%
$1,000 and over 0.10%

*APY = Annual Percentage Yield. APY reflects amount on deposit, frequency of dividend compounding and the annualized figure.
**A dividend rate of .10% will be paid on the portion of your daily balance that is greater than $24.99, but less than $1,000. The annual percentage yield for this tier will be .10%.
**A dividend rate of .10% will be paid on the portion of your daily balance that is greater than $1,000.00. The annual percentage yield for this tier will be .10% (based on $4,000.00 initial contribution or balance in account).
**An Annual Maintenance Fee of $10.00 will be charged on IRA's having combined balance (Passbook and Certificate) of less than $500.00.

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