Consumer Deposit Rates
Interest Checking, Money Market and Savings Accounts*
Rates effective March 1, 2023. All rates subject to change without notice. Interest is compounded monthly.
| Account | Minimum Daily Balance Required to Earn APY | Annual Percentage Yield (APY) | Interest Rate |
|
Prestige Checking ($50 minimum to open) |
$0.01 $0.01 $0.01 |
Base 0.05% Tier 1 Reward[1] 0.20% Tier 2 Reward[1] 0.35% |
Base 0.05% Tier 1 Reward 0.20% Tier 2 Reward 0.35% |
|
Granite Checking ($50 minimum to open) |
$0.01 $0.01 |
Base 0.01% Tier 1 Reward[2] 0.10% |
Base 0.01% Tier 1 Reward 0.10% |
|
Prestige Money Market ($2,500 minimum to open) |
$2.500 $50,000 $100,000 $250,000 $500,000 |
0.05% 0.05% 0.05% 0.05% 0.05% |
0.05% 0.05% 0.05% 0.05% 0.05% |
|
Premier Money Market ($2,500 minimum to open) |
$2,500 $50,000$100,000 $250,000 $500,000 |
0.01% 0.01% 0.01% 0.05% 0.05% |
0.01% 0.01% 0.01% 0.05% 0.05% |
|
Savings ($100 minimum to open) Personal |
$0.01 | 0.01% | 0.01% |
Fees could reduce earnings on these accounts.
*The rate may change after the account is opened.
[1] Prestige Reward Tiers are earned on balances up to $30,000 when qualifying conditions are met. Please refer to your Prestige Checking Truth in Savings Disclosure for complete details on the qualifying conditions.
[2] Granite Reward Tier is earned on balances up to $15,000 when qualifying conditions are met. Please refer to your Granite Checking Truth in Savings Disclosure for complete details on the qualifying conditions.
Certificates of Deposit
Including Individual Retirement Accounts (IRA)
| Account Term | Minimum Daily Balance Required to Earn APY | Annual Percentage Yield (APY) | Interest Rate | Prestige Annual Percentage Yield (APY)*** | Prestige Interest Rate*** |
| 6 Months | $500 | 0.10% | 0.10% | 0.15% |
0.15% |
| 1 Year | $500 | 0.15% | 0.15% | 0.20% | 0.20% |
|
13 Month |
$10,000 | 4.25% | 4.17% | 4.25% | 4.17% |
|
2 Years |
$500 | 0.20% | 0.20% | 0.25% | 0.25% |
| 3 Years | $500 | 0.25% | 0.25% | 0.30% | 0.30% |
| 4 Years | $500 | 0.30% | 0.30% | 0.35% | 0.35% |
| 5 Years | $500 | 0.35% | 0.35% | 0.40% | 0.40% |
Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. ***Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. ****Special can end at any time. Minimum balance required to earn 4.25% APY is $10,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. Offer applies to consumer CDs only. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance.
Variable Rate IRA
| Account | Account Term | Minimum Daily Balance Required to Earn APY | Annual Percentage Yield (APY) | Interest Rate |
| Variable Rate IRA | N/A | $100 | 0.03% | 0.03% |
The rate may change after the account is opened. Fees may reduce earnings on these accounts.
Member FDIC 