Savings Rates
Primary Savings Account Rate
Minimum Balance to Open | Minimum Balance to Earn APY | Dividend Rate | APY1 |
---|---|---|---|
Minimum Balance to Open$1 |
Minimum Balance to Earn APY$100 |
Dividend Rate0.05% |
APY10.05% |
Secondary Savings Account Rate
Minimum Balance to Open | Minimum Balance to Earn APY | Dividend Rate | APY1 |
---|---|---|---|
Minimum Balance to OpenNone |
Minimum Balance to Earn APY$100 |
Dividend Rate0.05% |
APY10.05% |
Discovery Youth Savings Account Rate
Minimum Balance to Open | Minimum Balance to Earn APY | Dividend Rate | APY1 |
---|---|---|---|
Minimum Balance to Open$5 |
Minimum Balance to Earn APY$100 |
Dividend Rate0.05% |
APY10.05% |
Business Savings Account Rate
Minimum Balance to Open | Minimum Balance to Earn APY | Dividend Rate | APY1 |
---|---|---|---|
Minimum Balance to Open$5 |
Minimum Balance to Earn APY$100 |
Dividend Rate0.05% |
APY10.05% |
Nonprofit Organization Savings Account Rate
Minimum Balance to Open | Minimum Balance to Earn APY | Dividend Rate | APY1 |
---|---|---|---|
Minimum Balance to Open$5 |
Minimum Balance to Earn APY$100 |
Dividend Rate0.05% |
APY10.05% |
Holiday Club Savings Account Rate
Minimum Balance to Open | Minimum Balance to Earn APY | Dividend Rate | APY2 |
---|---|---|---|
Minimum Balance to Open$5 |
Minimum Balance to Earn APY$5 |
Dividend Rate0.30% |
APY20.30% |
Health Savings Account Rate
Minimum Balance to Open | Minimum Balance to Earn APY | Dividend Rate | APY1 |
---|---|---|---|
Minimum Balance to Open$5 |
Minimum Balance to Earn APY$5 |
Dividend Rate0.10% |
APY10.10% |
IRA Savings Account Rate
Minimum Balance to Open | Minimum Balance to Earn APY | Dividend Rate | APY1 |
---|---|---|---|
Minimum Balance to Open$25 |
Minimum Balance to Earn APY$100 - $49,999.99 |
Dividend Rate0.30% |
APY10.30% |
Minimum Balance to Open$25 |
Minimum Balance to Earn APY$50,000 and over |
Dividend Rate0.59% |
APY10.60% |
Coverdell ESA Savings Account Rate
Minimum Balance to Open | Minimum Balance to Earn APY | Dividend Rate | APY1 |
---|---|---|---|
Minimum Balance to Open$25 |
Minimum Balance to Earn APY$100 - $49,999.99 |
Dividend Rate0.30% |
APY10.30% |
Minimum Balance to Open$25 |
Minimum Balance to Earn APY$50,000 and over |
Dividend Rate0.59% |
APY10.60% |
Money Market Rates
Money Market Rates
Required Balance to Earn APY | Dividend Rate | APY3 |
---|---|---|
Required Balance to Earn APY$0 - $2,499.99 |
Dividend Rate0.10% |
APY30.10% |
Required Balance to Earn APY$2,500 - $24,999.99 |
Dividend Rate0.99% |
APY31.00% |
Required Balance to Earn APY$25,000 - $49,999.99 |
Dividend Rate1.04% |
APY31.05% |
Required Balance to Earn APY$50,000 - $99,999.99 |
Dividend Rate1.09% |
APY31.10% |
Required Balance to Earn APY$100,000 - $249,999.99 |
Dividend Rate1.14% |
APY31.15% |
Required Balance to Earn APY$250,000 - $499,999.99 |
Dividend Rate1.19% |
APY31.20% |
Required Balance to Earn APY$500,000 and above |
Dividend Rate1.24% |
APY31.25% |
Business Money Market Rates
Required Balance to Earn APY | Dividend Rate | APY3 |
---|---|---|
Required Balance to Earn APY$0 - $2,499.99 |
Dividend Rate0.10% |
APY30.10% |
Required Balance to Earn APY$2,500 - $24,999.99 |
Dividend Rate0.99% |
APY31.00% |
Required Balance to Earn APY$25,000 - $49,999.99 |
Dividend Rate1.04% |
APY31.05% |
Required Balance to Earn APY$50,000 - $99,999.99 |
Dividend Rate1.09% |
APY31.10% |
Required Balance to Earn APY$100,000 - $249,999.99 |
Dividend Rate1.14% |
APY31.15% |
Required Balance to Earn APY$250,000 - $499,999.99 |
Dividend Rate1.19% |
APY31.20% |
Required Balance to Earn APY$500,000 and above |
Dividend Rate1.24% |
APY31.25% |
CD Rates
Certificate of Deposit Rates
Term in Months | Required Balance to Open & Earn APY | Dividend Rate | APY4 |
---|---|---|---|
Term in Months6 - 60 |
- | - | - |
Term in Months6 Month |
Required Balance to Open & Earn APY$1,000 - $49,999.99 |
Dividend Rate4.121% |
APY44.20% |
Term in Months6 Month (Jumbo) |
Required Balance to Open & Earn APY$50,000 and over |
Dividend Rate4.218% |
APY44.30% |
Term in Months12 Month |
Required Balance to Open & Earn APY$1,000 - $49,999.99 |
Dividend Rate4.169% |
APY44.25% |
Term in Months12 Month (Jumbo) |
Required Balance to Open & Earn APY$50,000 and over |
Dividend Rate4.266% |
APY44.35% |
Term in Months18 Month |
Required Balance to Open & Earn APY$1,000 - $49,999.99 |
Dividend Rate3.977% |
APY44.05% |
Term in Months18 Month (Jumbo) |
Required Balance to Open & Earn APY$50,000 and over |
Dividend Rate4.073% |
APY44.15% |
Term in Months24 Month |
Required Balance to Open & Earn APY$1,000 - $49,999.99 |
Dividend Rate3.735% |
APY43.80% |
Term in Months24 Month (Jumbo) |
Required Balance to Open & Earn APY$50,000 and over |
Dividend Rate3.832% |
APY43.90% |
Term in Months36 Month |
Required Balance to Open & Earn APY$1,000 - $49,999.99 |
Dividend Rate3.687% |
APY43.75% |
Term in Months36 Month (Jumbo) |
Required Balance to Open & Earn APY$50,000 and over |
Dividend Rate3.784% |
APY43.85% |
Term in Months48 Month |
Required Balance to Open & Earn APY$1,000 - $49,999.99 |
Dividend Rate3.445% |
APY43.50% |
Term in Months48 Month (Jumbo) |
Required Balance to Open & Earn APY$50,000 and over |
Dividend Rate3.542% |
APY43.60% |
Term in Months60 Month |
Required Balance to Open & Earn APY$1,000 - $49,999.99 |
Dividend Rate3.542% |
APY43.60% |
Term in Months60 Month (Jumbo) |
Required Balance to Open & Earn APY$50,000 and over |
Dividend Rate3.639% |
APY43.70% |
IRA Certificate of Deposit Rates
Term in Months | Required Balance to Open & Earn APY | Dividend Rate | APY4 |
---|---|---|---|
Term in Months6 Month |
Required Balance to Open & Earn APY$1,000 and over |
Dividend Rate4.218% |
APY44.30% |
Term in Months12 Month |
Required Balance to Open & Earn APY$1,000 and over |
Dividend Rate4.266% |
APY44.35% |
Term in Months18 Month |
Required Balance to Open & Earn APY$1,000 and over |
Dividend Rate4.073% |
APY44.15% |
Term in Months24 Month |
Required Balance to Open & Earn APY$1,000 and over |
Dividend Rate3.832% |
APY43.90% |
Term in Months36 Month |
Required Balance to Open & Earn APY$1,000 and over |
Dividend Rate3.784% |
APY43.85% |
Term in Months48 Month |
Required Balance to Open & Earn APY$1,000 and over |
Dividend Rate3.542% |
APY43.60% |
Term in Months60 Month |
Required Balance to Open & Earn APY$1,000 and over |
Dividend Rate3.639% |
APY43.70% |
Bump Up CD Rates
Term in Months | Required Balance to Open & Earn APY | Dividend Rate | APY4 |
---|---|---|---|
Term in Months12 Month |
Required Balance to Open & Earn APY$1,000 - $49,999.99 |
Dividend Rate4.169% |
APY44.25% |
Term in Months12 Month (Jumbo) |
Required Balance to Open & Earn APY$50,000 and over |
Dividend Rate4.266% |
APY44.35% |
Term in Months18 Month |
Required Balance to Open & Earn APY$1,000 - $49,999.99 |
Dividend Rate3.977% |
APY44.05% |
Term in Months18 Month (Jumbo) |
Required Balance to Open & Earn APY$50,000 and over |
Dividend Rate4.073% |
APY44.15% |
Loan Rates
Auto Loan Rates
Term in Months | Rate (APR) As Low As5 | Monthly Payment Per $1,000 |
---|---|---|
Term in Months36 - 84 |
Rate (APR) As Low As54.89% |
Monthly Payment Per $1,000$29.93 |
Recreational Vehicle Loan Rates
Term in Months | Rate (APR) As Low As6 | Monthly Payment Per $1,000 |
---|---|---|
Term in MonthsUp to 180 |
Rate (APR) As Low As67.64% |
Monthly Payment Per $1,000$20.40 |
Credit Card & Line of Credit Rates
Personal Line of Credit Rates
Minimum Rate (APR) 8 9 | Maximum Rate (APR) 8 9 |
---|---|
Minimum Rate (APR) 8 9Index + 7.49% |
Maximum Rate (APR) 8 917.99% |
Checking & Savings Account Service Charges
Checking and Saving Service Charges
Description | Amount |
---|---|
DescriptionFresh Start Checking Account Service Charge |
Amount$9.00 per month |
DescriptionClub Savings Account Excessive Withdrawal Service Charge |
Amount$5.00 per withdrawal after 1 per month |
Business & Organization Account Service Charges
Business and Organization Service Charges
Description | Amount |
---|---|
DescriptionPremium Business Checking Account Service Charge |
Amount$10.00 per month if minimum balance is not maintained12 |
DescriptionPremium Business Checking Account Excessive Item Charge |
Amount$0.40 per item over 350 items per month13 |
DescriptionOrganization Checking Account Excessive Item Service Charge |
Amount$0.25 per item over 100 per month14 |
General Service Charges
General Service Charges
Description | Amount |
---|---|
DescriptionCard Replacement Service Charge |
Amount$7.00 per card |
DescriptionOverdraft Transfer Service Charge |
Amount$5.00 per transfer |
DescriptionCourtesy Pay Service Charge |
Amount$30.00 per paid item (waived for consumer transactions $5.00 or less) |
DescriptionInsufficient Funds (NSF) Service Charge15 |
Amount$30.00 (waived for consumer transactions $5.00 or less) |
DescriptionStop Payment Service Charge |
Amount$30.00 per item |
DescriptionThird Party Return Deposit Item (RDI) Service Charge |
Amount$15.00 per item |
DescriptionFirst Party Return Deposit Item (RDI) Service Charge |
Amount$30.00 per item |
DescriptionInvalid MICR Line Processing |
Amount$2.00 per item |
DescriptionTemporary Checks |
Amount$4.00 per sheet of 8 checks |
DescriptionForeign (Non-First Service) ATM Service Charge |
Amount$2.00 per item |
DescriptionItems Sent for Collection |
Amount$20.00 per item plus third party service charges |
DescriptionDomestic Wire Transfer Service Charge (in Digital Banking) |
Amount$20 |
DescriptionDomestic Wire Transfer Service Charge (Walk-In) |
Amount$25 |
DescriptionForeign Wire Transfer Service Charge (in Digital Banking) |
Amount$40 |
DescriptionForeign Wire Transfer Service Charge (Walk-In) |
Amount$45.00 plus any corresponding bank charges |
DescriptionCashier's Check |
Amount$5.00 per check |
DescriptionTravel Card |
Amount$9.50 per item |
DescriptionReloadable Card |
Amount$4.95 each |
DescriptionGift Card |
Amount$3.95 each |
DescriptionPaper Statement Processing Service Charge |
Amount$5.00 per statement (not applicable to members under age 18 and age 65 or over) |
DescriptionStatement Copy Service Charge |
Amount$5.00 per statement |
DescriptionCheck Copy Service Charge |
Amount$3.00 per item |
DescriptionAccount Activity Printout |
Amount$5.00 per printout |
DescriptionAccount Reconciliation |
Amount$25.00 per hour ($25.00 minimum) |
DescriptionAccount Research |
Amount$25.00 per hour ($25.00 minimum) |
DescriptionInactive Account Service Charge16 |
Amount$5.00 every 30 days |
DescriptionNotary Service (Non-Members) |
Amount$6 |
DescriptionIRA Transfer Service Charge |
Amount$30 |
DescriptionAccount Closure Service Charge |
Amount$15.00 per account if closed within 6 months of opening |
DescriptionReturned Mail / Bad Address Service Charge |
Amount$7.00 per month |
DescriptionVerification of Deposit Requests |
Amount$10.00 per completed form |
DescriptionCheck Cashing Service Charge (Members) |
Amount2% of check amount (service charge waived with minimum $250 aggregate account balance or loan) |
DescriptionCheck Cashing Service Charge (Non-Members) |
Amount2% of total check amount or $10.00 whichever is greater (includes checks drawn from First Service accounts) |
DescriptionChange / Rolled Coin Order |
Amount$2.50 |
DescriptionCoin Exchange / Coin Machine Service Charge (Members) |
Amount3% of total amount of coins exchanged |
DescriptionCoin Exchange / Coin Machine Service Charge (Non-Members) |
Amount7% of total amount of coins exchanged |
DescriptionContact Center Assisted Phone Requests |
Amount$2.00 per call over 2 per month (not applicable to members age 70 or over) |
DescriptionBusiness Remote Desktop Deposit |
Amount$50.00 per month |
DescriptionBusiness Sweep Services |
Amount$50.00 per month |
DescriptionBusiness Zero Balance Service |
Amount$40.00 per month |
DescriptionLoan Payment Coupon Service Charge |
Amount$10 per coupon set |
DescriptionCredit Card Balance Transfer Fee During Introductory or Promotional Periods |
Amount5% of transfer amount |
DescriptionExpedited Shipping Service Charge |
Amount$30 |
DescriptionTax Levy or Garnishment Service Charge |
Amount$50 |
DescriptionLost Title or Release of Lien Replacement Service Charge |
Amount15 |
DescriptionCredit or Debit Card Loan Payment Service Charge |
Amount$7.00 per payment |
DescriptionOver-the-Phone Loan Payment Service Charge |
Amount$15.00 per payment |
DescriptionSignature Guarantee Service Charge |
Amount$25 |
Business Analysis Account Service Charges
Business Analysis Service Charges
Description | Amount |
---|---|
DescriptionBusiness Analysis Account Maintenance Service Charge |
Amount$19.00 per month |
DescriptionUncollected Funds Charge |
Amount2% of pending amount |
DescriptionInsufficient Funds (NSF) Service Charge90 |
Amount30 |
DescriptionReturned Deposited Item Service Charge |
Amount$10.00 per item |
DescriptionStop Payment Service Charge |
Amount$30.00 per item |
DescriptionIncoming Domestic Wire Transfer Service Charge |
Amount$15 |
DescriptionOutgoing Domestic Wire Transfer Service Charge |
Amount$25 |
DescriptionInternational Wire Transfer Service Charge |
Amount$50 |
DescriptionCashier's Check Service Charge |
Amount$3.00 per check |
DescriptionRemote Desktop Deposit Service Charge |
Amount$50.00 per month |
DescriptionSweep Service Charge |
Amount$50.00 per month |
DescriptionZero Balance Service Charge |
Amount$40.00 per month |
DescriptionATM/Debit Card Transaction Service Charge |
Amount$0.20 per item |
DescriptionACH/Electronic Debit Service Charge |
Amount$0.20 per item |
DescriptionCash Withdrawal Service Charge |
Amount$0.20 per item |
DescriptionIn-Branch Deposit Service Charge |
Amount$0.25 per item |
DescriptionACH Credit/Deposit Service Charge |
Amount$0.15 per item |