Deposit Interest Rates

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(Effective as of 12-14-2018)

Account TypeMinimum Opening BalanceInterest RateAPY*
Smart NOW Checking $1,000 .10% .10%
Smart Super NOW Checking $2,500 .20% .20%
Smart Business Checking $25,000 .20% .20%
Smart Saving $50 .15% .15%
Health Savings Account $50 .15% .15%
Smart Money-Market Saving $2,500 - $4,999.99 .45% .45%
  $5,000 -- $19,999.99  .50% .50% 
  $20,000 -- $49,999.99  .55%  .55% 
  $50,000 -- $99,999.99  1.15%  1.16% 
  $100,000 -- $499,999.99 1.50%  1.51% 
  $500,000.00 -- & Up 1.60% 1.61%

Rates listed above may change at our discretion

Fees may reduce earnings

CD & IRATermInterest RateAPY*

Jumbo**

Jumbo APY**

(Minimum balance to open $500)  91 Day CD 1.00% 1.00%  ---  ---
  182 Day CD 1.10% 1.10%  ---  ---
  1 Year CD or IRA 2.00% 2.01%  2.25%  2.26%
  18 Month CD or IRA 2.10% 2.11%  2.35%  2.36%
  24 Month CD or IRA 2.25% 2.26%  2.50%  2.52%

 

30 Month CD or IRA 2.35% 2.36%  2.60%  2.62%

 

36 Month CD or IRA 2.50% 2.52%  2.75%  2.77%
  48 Month CD or IRA 2.80% 2.82%  3.05%  3.07%
  60 Month CD or IRA 3.00% 3.02%  3.25%  3.28%

Early withdrawal penalty may apply

**Jumbo CD rates are available for certificate balances of $250,000 & above

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* APY is the annual percentage yield
* Please contact an employee for further information about applicable terms and fees.