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    Min. to $99,999 $100,000 & Over
CD Specials: Min. Bal. Rate APY Rate APY
3 Yearı $5,000 2.72% 2.75% 2.72% 2.75%
2 Year Two-Stepı² $5,000 2.23% 2.25% 2.23% 2.25%
11 Month $5,000 1.74% 1.75% 1.74% 1.75%

ı Rates for 2 year and 3 year term CDs with $1,000 minimum balances are available below.

² One time option to bump the interest rate during the term of the CD to the standard two-step rate at the time the option is exercised.

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Deposit Account Rates Effective

   APY = Annual Percentage Yield  
Checking Accounts: Min. Bal. Rate APY    
Premium Club $1,000 0.25% 0.25%    
Synergy Plus $1,000 0.25% 0.25%    
Synergy Gold $1,000 0.25% 0.25%    
           
Money Market Accounts: Min. Bal. Rate APY    
Power Plus $15,000        
$250,000 & Over   1.14% 1.15%    
$100,000 to $249,999   1.00% 1.00%    
$15,000 to $99,999   0.75% 0.75%    
Less than $15,000   0.50% 0.50%    
           
Power $2,500        
$100,000 & Over   0.75% 0.75%    
$10,000 to $99,999   0.50% 0.50%    
$2,500 to $9,999   0.50% 0.50%    
           
Savings Accounts: Min. Bal. Rate APY    
Synergy Savings $100 0.35% 0.35%    
Minor Savings $50 0.35% 0.35%    
Christmas Club $10 1.00% 1.00%    
Health Savings $100 0.35% 0.35%    
           
    Min. to $99,999 $100,000 & Over
Certificates of Deposit: Min. Bal. Rate APY Rate APY
7 Day $1,000 0.35% 0.35% 0.35% 0.35%
1 Month $1,000 0.25% 0.25% 0.40% 0.40%
3 Month $1,000 0.50% 0.50% 0.65% 0.65%
Junior CD (6 Months) $500 0.50% 0.50% N/A N/A
6 Month $1,000 0.60% 0.60% 0.75% 0.75%
11 Month Special $5,000 1.74% 1.75% 1.74% 1.75%
1 Year $1,000 0.85% 0.85% 1.00% 1.00%
18 Month $1,000 1.09% 1.10% 1.24% 1.25%
2 Year Two-Step² $1,000 1.34% 1.35%    
2 Year Two-Stepı² $5,000 2.23% 2.25% 2.23% 2.25%
30 Month $1,000 1.59% 1.60% 1.74% 1.75%
3 Year $1,000 1.83% 1.85%    
3 Yearı $5,000 2.72% 2.75% 2.72% 2.75%
4 Year $1,000 2.33% 2.36% 2.47% 2.50%
5 Year $1,000 2.81% 2.85% 2.96% 3.00%
           
    Min. to $99,999 $100,000 & Over
Fixed Rate IRAs/Education Savings Accounts: Min. Bal. Rate APY Rate APY
6 Month $1,000 0.60% 0.60% 0.75% 0.75%
11 Month Special $5,000 1.74% 1.75% 1.74% 1.75%
1 Year $1,000 0.85% 0.85% 1.00% 1.00%
18 Month $1,000 1.09% 1.10% 1.24% 1.25%
2 Year Two-Step² $1,000 1.34% 1.35%    
2 Year Two-Stepı² $5,000 2.23% 2.25% 2.23% 2.25%
30 Month $1,000 1.59% 1.60% 1.74% 1.75%
3 Year $1,000 1.83% 1.85%    
3 Yearı $5,000 2.72% 2.75% 2.72% 2.75%
4 Year $1,000 2.33% 2.36% 2.47% 2.50%
5 Year $1,000 2.81% 2.85% 2.96% 3.00%
           
Variable Rate IRAs/Education Savings Accounts: Min. Bal. Rate APY    
18 Month $100 1.00% 1.00%    
           
Savings $100        
$250,000 & Over   1.15% 1.15%    
$100,000 to $249,999   1.00% 1.00%    
$15,000 to $99,999   0.75% 0.75%    
$2,500 to $14,999   0.50% 0.50%    
Less than $2,500   0.35% 0.35%    

ı Rates for 2 year and 3 year term CDs with $1,000 minimum balances are available above.

² One-time option to bump the interest rate during the term of the CD to the standard two-step rate at the time the option is exercised.

 

Rates are subject to change without notice.  Please call for current rates.  Fees could reduce the earnings on the accounts.  Penalties may apply to early withdrawals, which could reduce earnings. The above rates are not applicable for government (public fund) deposits.