Deposit Rates

Effective: August 1, 2015

This Rate Chart Contains information about interest rates and annual percentage yields for some of the accounts we offer.

Checking & Savings
Minimum Opening Deposit Minimum Daily Balance
to Obtain Stated APY
Interest Rate Annual Percentage
Yield (APY)
Interest Checking - Consumer** $100 $1.00 0.10% 0.10%
Interest Checking- Business** $100 Up to $24,999 0.00% 0.00%
    $25,000-$49,999 0.05% 0.05%
    $50,000-$99,999 0.05% 0.05%
    $100,000-$249,999 0.05% 0.05%
    $250,000-$499,999 0.05% 0.05%
    $500,000- and over 0.05% 0.05%
Statement Savings** $100 Up to $999 0.10% 0.10%
    $1,000-$2,499 0.10% 0.10%
    $2,500-$4,999 0.10% 0.10%
    $5,000-$9,999 0.10% 0.10%
    $10,000 and over 0.10% 0.10%
Health Savings Account** $50 Up to $1,999 0.05% 0.05%
    $2,000-$7,499 0.05% 0.05%
    $7,500-$14,999 0.10% 0.10%
    $15,000-$24,999 0.10% 0.10%
    $25,000 and over 0.10% 0.10%

 

Money Market Accounts-Personal & Business
Minimum Opening Deposit Minimum Daily Balance
to Obtain Stated APY
Interest Rate Annual Percentage
Yield (APY)
Money Market** $1000 Up to $9,999 0.05% 0.05%
    $10,000-$24,999 0.10% 0.10%
    $25,000 and over 0.10% 0.10%
Premium Money Market** $25,000 Up to $24,999 0.15% 0.15%
    $25,000-$49,999 0.15% 0.15%
    $50,000-99,999 0.15% 0.15%
    $100,000-$249,999 0.20% 0.20%
    $250,000-$499,999 0.20% 0.20%
    $500,000 and over 0.20% 0.20%

 

Money Market Accounts-Public Funds
Minimum Opening Deposit Minimum Balance
to Obtain APY
Interest Rate Annual Percentage
Yield (APY)
Public Premium Money Market** $25,000 Up to $24,999 0.05% 0.05%
    $25,000-$49,999 0.05% 0.05%
    $50,000-$99,999 0.05% 0.05%
    $100,000-$249,999 0.05% 0.05%
    $250,000-$499,999 0.05% 0.05%
    $500,000 and over 0.05% 0.05%

 

Certificates of Deposit-Standard and Business CDs
Minimum Opening Deposit $10,000 Minimum Balance
to Obtain  APY
Interest Rate Annual Percentage
Yield (APY)
3 Month CD***   $10,000-$49,999* 0.10% 0.10%
    $50,000-$99,999* 0.15% 0.15%
    $100,000 and over* 0.15% 0.15%
 6 Month CD***   $10,000-$49,999* 0.15% 0.15%
    $50,000-$99,999* 0.20% 0.20%
    $100,000 and over* 0.20% 0.20%
 12 Month CD***   $10,000-$49,999* 0.25% 0.25%
    $50,000-$99,999* 0.30% 0.30%
    $100,000 and over* 0.30% 0.30%
18 Month No Penalty CD****   $10,000-$49,999* 0.20% 0.20%
    $50,000-$99,999* 0.25% 0.25%
    $100,000 and over* 0.25% 0.25%
24 Month CD***   $10,000-$49,999* 0.35% 0.35%
    $50,000-$99,999* 0.40% 0.40%
    $100,000 and over* 0.40% 0.40%
36 Month CD***   $10,000-$49,999* 0.50% 0.50%
    $50,000-$99,999* 0.55% 0.55%
    $100,000 and over* 0.55% 0.55%
48 Month No Penalty CD****   $10,000-$49,999* 0.75% 0.75%
    $50,000-$99,999* 0.80% 0.80%
    $100,000 and over* 0.80% 0.80%
60 Month CD***   $10,000-$49,999* 0.99% 1.00%
    $50,000-$99,999* 0.99% 1.00%
    $100,000 and over* 0.99% 1.00%

 

Certificate of Deposit - Public Funds
Minimum Opening Deposit $10,000 Minimum  Balance
to Obtain  APY
Interest Rate Annual Percentage
Yield (APY)
3-Month CD***   $100,000 and over* 0.05% 0.05%
6-Month CD***   $10,000-$49,999* 0.05% 0.05%
    $50,000-$99,999* 0.05% 0.05%
    $100,000 and over* 0.05% 0.05%
12 Month CD***   $10,000-$49,999* 0.05% 0.05%
    $50,000-$99,999* 0.05% 0.05%
    $100,000 and over* 0.05% 0.05%
24 Month CD***   $100,000 and over* 0.15% 0.15%


****) No penalty will be imposed for early withdrawal after six calendar days of account opening. Deposit not to exceed $250,000 without prior approval by Executive Management.
***) A penalty may be imposed for early withdrawal 
**) The interest rate and annual percentage yield may change after account opening
*) Daily Balance is the amount of the principal in the account each day

 

Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are current as of the date referenced above. 

For current rate information call (916) 830-3560 or (209) 334-7400