with Vertical Checking
Checking Rates
Checking Rates
Rates accurate as of April 19, 2024| Types | Minimum to Open | # of Debit Transactions | Dividend | APY^ | Min Bal to Earn Dividend |
|---|---|---|---|---|---|
| Vertical Checking* | $25 | 15+ | 3.40% | 3.45% | N/A |
| Platinum Rewards Checking** | $25 | 15+ | 0.005% | 0.005% | $500 |
| Business Dividend Checking | $100 | N/A | 0.005% | 0.005% | $1,000 |
| Classic Checking | $25 | N/A | 0.005% | 0.005% | $500 |
| Classic Debit Checking | $25 | N/A | 0.005% | 0.005% | $500 |
| Health Savings Checking | N/A | N/A | 1.99% | 2.01% | $500 |
| Investor Checking | $25 | N/A | tiered dividends based on account balance | ||
| $1,000 - $9,999 | - | - | 0.10% | 0.10% | $1,000 |
| $10,000 - $24,999 | - | - | 0.15% | 0.15% | $10,000 |
| $25,000 - $49,999 | - | - | 0.25% | 0.25% | $25,000 |
| $50,000 or more | - | - | 0.25% | 0.25% | $50,000 |
Certificate Rates
Rates accurate as of April 19, 2024| Terms | Dividend Rate | APY^ | Minimum Balance # |
|---|---|---|---|
| 3 Month Certificate | 1.24% | 1.25% | $1,000 |
| 4 Month Certificate | 1.34% | 1.35% | $1,000 |
| 6 Month Certificate | 4.70% | 4.80% | $1,000 |
| 8 Month Certificate | 1.44% | 1.45% | $1,000 |
| 9 Month Certificate | 1.44% | 1.45% | $1,000 |
| 10 Month Certificate | 1.54% | 1.55% | $1,000 |
| 1 Year Certificate | 4.79% | 4.90% | $1,000 |
| Save to Win 1 Year Certificate | 4.79% | 4.90% | Click for Info! |
| 14 Month Certificate | 1.54% | 1.55% | $1,000 |
| 17 Month Certificate | 1.64% | 1.65% | $1,000 |
| 18 Month Certificate | 1.64% | 1.65% | $1,000 |
| 2 Year Certificate | 2.96% | 3.00% | $1,000 |
| 30 Month Certificate | 2.96% | 3.00% | $1,000 |
| 3 Year Certificate | 2.96% | 3.00% | $1,000 |
| 4 Year Certificate | 2.96% | 3.00% | $1,000 |
| 5 Year Certificate | 2.96% | 3.00% | $1,000 |
| 6 Year Certificate | 2.96% | 3.00% | $1,000 |
Money Market Share Rates
Rates accurate as of April 18, 2024| Tiers | Dividend Rate | APY^ | Minimum Balance # |
|---|---|---|---|
| $1,000 - $9,999 | 0.15% | 0.15% | $1,000 |
| $10,000 - $24,999 | 0.20% | 0.20% | $10,000 |
| $25,000 - $49,999 | 0.30% | 0.30% | $25,000 |
| $50,000 - $99,999 | 0.30% | 0.30% | $50,000 |
| $100,000 and above | 0.30% | 0.30% | $100,000 |
Share Accounts
Rates accurate as of April 18, 2024| Types | Dividend Rate | APY^ | Minimum Balance # |
|---|---|---|---|
| Regular Shares† | 0.01% | 0.01% | $200 |
| Special Shares | 0.01% | 0.01% | $200 |
| Christmas Club | 0.01% | 0.01% | $200 |
| Vacation Club | 0.01% | 0.01% | $200 |
| IRA/CESA Share Account | 0.25% | 0.25% | $500 |
Individual Retirement Account Certificates & Health Savings Account Certificates
IRA
Rates accurate as of April 19, 2024| Terms | Dividend Rate | APY^ | Minimum Balance # |
|---|---|---|---|
| 4 Month Fixed | 1.39% | 1.40% | $1,000 |
| 8 Month Fixed | 1.49% | 1.50% | $1,000 |
| 9 Month Fixed | 1.49% | 1.50% | $1,000 |
| 10 Month Fixed | 1.59% | 1.60% | $1,000 |
| 1 Year Fixed | 4.84% | 4.95% | $1,000 |
| 14 Month Fixed | 1.59% | 1.60% | $1,000 |
| 17 Month Fixed | 1.69% | 1.70% | $1,000 |
| 18 Month Fixed | 1.69% | 1.70% | $1,000 |
| 2 Year Fixed | 3.01% | 3.05% | $1,000 |
| 30 Month Fixed | 3.01% | 3.05% | $1,000 |
| 3 Year Fixed | 3.01% | 3.05% | $1,000 |
| 4 Year Fixed | 3.01% | 3.05% | $1,000 |
| 5 Year Fixed | 3.01% | 3.05% | $1,000 |
| 6 Year Fixed | 3.01% | 3.05% | $1,000 |
HSA
Rates accurate as of April 19, 2024| Terms | Dividend Rate | APY^ | Minimum Balance # |
|---|---|---|---|
| Health Savings Checking | 1.99% | 2.01% | $500 |
| 1 Year Fixed | 4.84% | 4.95% | $1,000 |
| 2 Year Fixed | 3.01% | 3.05% | $1,000 |
| 3 Year Fixed | 3.01% | 3.05% | $1,000 |
| 4 Year Fixed | 3.01% | 3.05% | $1,000 |
| 5 Year Fixed | 3.01% | 3.05% | $1,000 |