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Rates as of date

Certificate of Deposit and IRA Rates
Term Minimum
Balance		 Interest
Rate		 APY*
60 Months $20,000
$10,000
$1,500		 1.00%
0.85%
0.45%		 1.00%
0.85%
0.45%
48 Months $10,000
$1,500		 0.80%
0.42%		 0.80%
0.42%
36 Months $10,000
$5,000		 0.70%
0.40%		 0.70%
0.40%
30 Months $10,000
$1,500		 0.60%
0.34%		 0.60%
0.34%
24 Months $10,000
$5,000		 0.55%
0.30%		 0.55%
0.30%
18 Months $10,000
$1,500		 0.50%
0.25%		 0.50%
0.25%
12 Months $10,000
$1,500		 0.45%
0.25%		 0.45%
0.25%
182 Day $10,000
$1,500		 0.30%
0.20%		 0.30%
0.20%
Student CD: 182 Day1 $500 0.60% 0.60%
91 Day $1,500 0.15% 0.15%
IRA2 & CESA2 $25 0.70% 0.70%
IRA2
IRA2
IRA2
$80,000
$160,000
$250,000
0.85%
1.00%
1.10%
0.85%
1.00%
1.10%

*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*
18 Month Special  $15,000 0.55% 0.55%
182 Day Special $15,000 0.40% 0.40%

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

CD Specials on Personal Deposits Only

Checking Account Rates
Term Minimum Balance Interest Rate APY*
GEM Club Checking1 $750 0.20% 0.20%
Hi-Fi Checking1 $2,500 0.30% 0.30%
NOW Checking1 $750 0.20% 0.20%
STAR Checking1 $0.01 - $4,000 5.00% 5.12%
STAR Checking1 $4,000.01 or greater 0.32% 0.32%
STAR Checking1 Non-qualifying rate 0.05% 0.05%
 

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

Savings Account Rates
Term Minimum Balance Interest Rate APY*
STAR Savings1 $0.01-$20,000
$20,000.01 or greater		 1.00%
0.20%		 1.00%
0.20%
STAR Savings1 Non-qulaifying rate 0.05% 0.05%
 Regular Savings1 $100   0.20% 0.20%
Savers Plus1 $300,000 0.50% 0.50%
Savers Plus1 $150,000 0.40% 0.40%
Savers Plus1 $75,000 0.30% 0.30%
Savers Plus1 $30,000 0.22% 0.22%
Savers Plus1 $15,000 0.20% 0.20%
Savers Plus1 $100 0.15% 0.15%
Junior Gems Savings1 $100 0.27% 0.27%
Precious Gems Kids Club1       $100 0.27% 0.27%
Christmas Club Savings1 $100 0.40% 0.40%
 

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

Health Savings Account Rates
Minimum Balance Interest Rate APY*
$25 1.00% 1.00%

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