Checking & Savings Accounts
Effective April 9, 2014
Account Type Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY)
Now Account $0-$2,499.99 .00% .00%
Now Account $2,500.00+ .05% .05%
Regular Savings $0.00 .15% .15%
Money Market Checking $0-$4,999.99 .00% .00%
Money Market Checking $5,000.00+ .20% .20%
Golden Money Market Account $0-$9,999.99 .00% .00%
Golden Money Market Account $10,000-$74,999 .20% .20%
Golden Money Market Account $75,000 + .40% .40%
Fees may reduce earnings on these accounts.
Rates may change after the account is opened.

Daily Balance = the amount of principal in the account each day.

For additional information about these accounts, please see our Truth in Savings Disclosures of Deposit Accounts or a personal banker.


Certificates Of Deposit
Effective April 9, 2014
Account Type Minimum Balance Required to Open Certificate of Deposit Interest Rate Annual Percentage Yield (APY)
3 months $500.00 .15% .15%
6 months $500.00 .20% .20%
12 months $500.00 .30% .30%
24 months $500.00 .40% .40%
36 months $500.00 .60% .60%
48 months $500.00 .80% .80%
60 months $500.00 1.00% 1.00%
72 months $500.00 1.30% 1.30%
Subject to early withdrawal penalty.
Daily Balance = the amount of principal in the account each day.

The Certificate Of Deposit APY assumes interest will remain on the deposit until maturity. A withdrawal will reduce earnings.

For additional information about these accounts, please see our Truth in Savings Disclosures of Deposit Accounts or a personal banker.