Deposit Interest Rates

(Effective as of 7-11-2018)

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 .30% .30%
  $5,000 -- $19,999.99  .35% .35% 
  $20,000 -- $49,999.99  .40%  .40% 
  $50,000 -- $99,999.99  1.00%  1.00% 
  $100,000 -- $499,999.99 1.25%  1.25% 
  $500,000.00 -- & Up 1.35% 1.35%

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 .75% .75%  ---  ---
  182 Day CD .85% .85%  ---  ---
  1 Year CD or IRA 1.35% 1.35%  1.60%  1.61%
  18 Month CD or IRA 1.65% 1.66%  1.90%  1.91%
  24 Month CD or IRA 2.00% 2.01%  2.25%  2.26%

 

 30 Month CD or IRA 2.10% 2.11%  2.35%  2.36%

 

 36 Month CD or IRA 2.25% 2.26%  2.50%  2.52%
  48 Month CD or IRA 2.55% 2.57%  2.80%  2.82%
  60 Month CD or IRA 2.75% 2.77%  3.00%  3.02%

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.