Rates as of date

Certificate of Deposit and IRA Rates

Term Minimum
Balance
Interest
Rate
APY*
60 Months $20,000
$10,000
2.85%
2.70%
2.87%
2.72%
48 Months $10,000
$1,500
2.60%
1.60%
2.62%
1.61%
36 Months $10,000
$5,000
2.25%
1.55%
2.26%
1.56%
30 Months $10,000
$1,500
2.10%
1.50%
2.11%
1.51%
24 Months $10,000
$5,000
2.00%
1.35%
2.01%
1.35%
18 Months $20,000
$10,000
$1,500
2.20%
1.90%
1.30%
2.21%
1.91%
1.30%
12 Months $10,000
$1,500
1.80%
1.20%
1.81%
1.20%
182 Days $10,000
$1,500
1.25%
0.85%
1.25%
0.85%
Student CD: 182 Days1 $500 1.74% 1.75%
91 Days $1,500 0.80% 0.80%
IRA2  $25 2.25% 2.26%

*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees could reduce earnings
1Must be a full-time high school or college student, OR 18 years of age or younger
2Variable Rate

Certificate of Deposit Specials

         Term Minimum Balance Interest Rate APY*
38 Month Special  $15,000 3.20% 3.23%
23 Month Special $15,000 2.80% 2.82%
13 Month Special $15,000 2.50% 2.52%

*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees could reduce earnings

Checking Account Rates

Term Minimum Balance Interest Rate APY*
GEM Club Checking1 $750 0.25% 0.25%
Hi-Fi Checking1 $2,500 0.55% 0.55%
NOW Checking1 $750 0.25% 0.25%
Bonus Checking1 $0.01 - $20,000 2.00% 2.00%
Bonus Checking1 $20,000.01 or greater 0.20% 0.20%
Bonus Checking1 If qualifications are not met 0.05% 0.05%
Bonus Checking for existing accounts only. Account no longer available.

*APY=Annual Percentage Yield 
Fees could reduce earnings
 1Variable Rate

Savings Account Rates

Term Minimum Balance Interest Rate APY*
Cash Back Savings1 $100-$20,000
$20,000.01 or greater
1.00%
0.20%
1.00%
0.20%
Cash Back Savings1 If monthly qualifications are not met 0.05% 0.05%
 Regular Savings1 $100   0.32% 0.32%
Savers Plus1 $300,000 2.00% 2.02%
Savers Plus1 $150,000 1.60% 1.61%
Savers Plus1 $75,000 1.30% 1.31%
Savers Plus1 $30,000 1.00% 1.00%
Savers Plus1 $15,000 0.75% 0.75%
Savers Plus1 $100 0.30% 0.30%
Junior Gems Savings1 $100 0.32% 0.32%
Precious Gems Kids Club1       $100 0.32% 0.32%
Christmas Club Savings1 $100 1.25% 1.26%
Bonus Savings1 $100 - $20,000 1.00% 1.01%
Bonus Savings1 $20,000.01 or greater 0.20% 0.20%
Bonus Savings1 If monthly qualifications are not met 0.05% 0.05%
Bonus Savings for existing accounts only. Account no longer available.

*APY=Annual Percentage Yield
 Fees could reduce earnings
1Variable Rate

Health Savings Account Rates

Minimum Balance Interest Rate APY*
$25 1.25% 1.25%

*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees could reduce earnings

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