Business Banking - Overview

Current Rates

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Personal Money Market** Rate APY Index Charges
$250,000 & Over 0.80% 0.80% No index Minimum Opening Deposit: $2,500
$10 per month if balance drops below $2,500, or if Average Balance drops below $5,000
No interest paid on balances less than $2,500
$100,000 to $249,999 0.75% 0.75%  
$50,000 to $99,999 0.70% 0.70%  
$25,000 to $49,999 0.50% 0.50%  
$10,000 to $24,999 0.35% 0.35%  
$2,500 to $9,999 0.30% 0.30%  

VIP Checking** Rate APY Index Charges
$250,000 &Over 0.80% 0.80% No index Minimum Opening Deposit: $100
$20 per month if balance drops below $2,500, or if Average Balance drops below $5,000
No interest paid on balances less than $2,500
$100,000 to $249,999 0.75% 0.75%  
$50,000 to $99,999 0.70% 0.70%  
$25,000 to $49,999 0.50% 0.50%  
$10,000 to $24,999 0.35% 0.35%  
$2,500 to $9,999 0.30% 0.30%  

Statement Savings** Rate APY Index Charges
$500 & Over 0.20% 0.20% No index Minimum Opening Deposit: $100
$5.00 per month if balance drops below $500

Business Interest Checking** Rate APY Index Charges
$5,000 & Over 0.20% 0.20% No index Minimum Opening Deposit: $500
$20 per month if balance drops below $5,000; or Average Balance drops below $10,000; or, Combined Balances drops below $25,000. (Additional charges if activity limits are exceeded.)

Business Money Market** Rate APY Index Charges
$250,000 &Over 0.80% 0.80% No index Minimum Opening Deposit: $5,000
$10.00 per month if balance drops below $5,000, or if Average Balance drops below $10,000
$100,000 to $249,999 0.75% 0.75%  
$50,000 to $99,999 0.70% 0.70%  
$25,000 to $49,999 0.50% 0.50%  
$10,000 to $24,999 0.35% 0.35%  
$5,000 to $9,999 0.30% 0.30%  

Analyzed Business Checking** Rate   Index Charges
Earnings Credit Rate 1.50%   No index Minimum Opening Deposit: $500
Applied to Average Daily Balance to offset allowable costs and fees

** Rates are subject to change after the account is opened. The above account types have variable rates.

Certificates of Deposit/IRAs Rate APY Index Charges
60 to 89 days 0.35% 0.35% No index Minimum Opening Deposit: $1,000
Terms of 60 days to 365 days - early withdrawal penalty equals 30 days interest on the amount withdrawn whether or not the interest has accrued. Terms in excess of 365 days - early withdrawal penalty equals 90 days interest on the amount withdrawn whether or not the interest has accrued.
90 to 179 days 0.40% 0.40%  
180 to 364 days 0.50% 0.50%  
12 – 23 Months 0.80% 0.80%  
24 – 35 Months 1.75% 1.77%  
36 – 47 Months 1.90% 1.92%  

Fees could reduce the earnings on some accounts.
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