Rates

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Description Minimum Balance for Interest Rate Interest Rate Annual Percentage Yield (APY) Monthly Compounding Annual Percentage Yield (APY) Quarterly Compounding
Checking Accounts - Interest Bearing*
Business Interest Checking
($50 to Open)
$0.00 0.05% 0.05% NA
Fabulous 50 Interest Checking
($50 to open)
$0.00 0.10% 0.10% NA
Electronic Advantage Interest Checking
($50 to open)
$0.00 0.10% 0.10% NA
Platinum Interest Checking
($0.00 - $1,499.99)
($50 to open)
$0.00 0.10% 0.10% NA
Platinum Interest Checking
($1,500 & above)
($50 to open)
$1,500 0.15% 0.15% NA
Health Savings Account*
($50 to Open)
$0.00 0.80% 0.80% NA
Savings Accounts*
Statement Savings
($100 to Open)
$0.00 0.15% 0.15% NA
Christmas Club ($5 to Open)*** $0.00 0.050% 0.05% NA
Money Market Demand Account
Tier #2 ($2,500 to open)($0 to $24,999.99)
$0.00 0.050% 0.05% NA
Money Market Demand Account
Tier #1 ($25,000 & above)
$25,000.00 0.10% 0.10% NA
Time Deposits Under $100,000**
C.D. 1 Month $1,000.00 0.10% 0.10% NA
C.D. 3 Months $1,000.00 0.10% 0.10% NA
C.D. 6 Months $1,000.00 0.40% 0.40% 0.40%
C.D. 9 Months $1,000.00 0.50% 0.50% 0.50%
C.D. 12 Months $1,000.00 0.65% 0.65% 0.65%
C.D. 18 Months $1,000.00 0.90% 0.90% 0.90%
C.D. 24 Months $1,000.00 0.90% 0.90% 0.90%
C.D. 30 Months $1,000.00 1.00% 1.00% 1.00%
C.D. 36 Months $1,000.00 1.05% 1.06% 1.05%
C.D. 48 Months $1,000.00 1.05% 1.06% 1.05%
C.D. 60 Months $1,000.00 1.15% 1.16% 1.15%
Time Deposits $100,000 to $250,000**
C.D. 1 Month
($100,000 to $250,000)
$100,000.00 0.10% 0.10% NA
C.D. 6 Months
($100,000 to $250,000)
$100,000.00 0.40% 0.40% 0.40%
C.D. 12 Months
($100,000 to $250,000)
$100,000.00 0.65% 0.65% 0.65%
C.D. 18 Months
($100,000 to $250,000)
$100,000.00 0.90% 0.90% 0.90%
C.D. 24 Months
($100,000 to $250,000)
$100,000.00 0.90% 0.90% 0.90%
Time Deposits $250,000.01 or More**
C.D. 1 Month
($250,000.01 or More)
$100,000.00 0.10% 0.10% NA
C.D. 6 Months
($250,000.01 or More)
$100,000.00 0.40% 0.40% 0.40%
C.D. 12 Months
($250,000.01 or More)
$100,000.00 0.65% 0.65% 0.65%
C.D. 18 Months
($250,000.01 or More)
$100,000.00 0.90% 0.90% 0.90%
C.D. 24 Months
($250,000.01 or More)
$100,000.00 0.90% 0.90% 0.90%
IRAs Under $100,000**
IRA 6 Months $1,000.00 0.40% 0.40% 0.40%
IRA 12 Months $1,000.00 0.65% 0.65% 0.65%
IRA 18 Months $1,000.00 0.90% 0.90% 0.90%
IRA 24 Months $1,000.00 0.90% 0.90% 0.90%
IRA 36 Months $1,000.00 1.05% 1.06% 1.05%
IRA 48 Months $1,000.00 1.05% 1.06% 1.05%
IRA 60 Months $1,000.00 1.15% 1.16% 1.15%
IRAs $100,000 to $250,000**
IRA 1 Month
($100,000 to $250,000)
$1,000.00 0.10% 0.10% NA
IRA 6 Months
($100,000 to $250,000)
$1,000.00 0.40% 0.40% 0.40%
IRA 12 Month
($100,000 to $250,000)
$1,000.00 0.65% 0.65% 0.65%
IRA 18 Month
($100,000 to $250,000)
$1,000.00 0.90% 0.90% 0.90%
IRA 24 Month
($100,000 to $250,000)
$1,000.00 0.90% 0.90% 0.90%
IRAs $250,000.01 or More**
IRA 1 Month
($250,000.01 or More)
$1,000.00 0.10% 0.10% NA
IRA 6 Months
($250,000.01 or More)
$1,000.00 0.40% 0.40% 0.40%
IRA 12 Month
($250,000.01 or More)
$1,000.00 0.65% 0.65% 0.65%
IRA 18 Month
($250,000.01 or More)
$1,000.00 0.90% 0.90% 0.90%
IRA 24 Month
($250,000.01 or More)
$1,000.00 0.90% 0.90% 0.90%

 *Terms and Conditions

  • Rates subject to change without notice.
  • Account fees may reduce the earnings on the account.
  • For Interest Bearing Checking, Savings, and Christmas Club accounts we use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the balance in the account each day.
  • **The daily balance method is also used to calculate interest on Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs). This method applies a daily periodic rate to the principal in your account each day.
  • The interest rate and "Annual Percentage Yield" may change after the account is opened.
  • If the interest-bearing account is closed before the interest is credited, you will NOT receive the accrued interest.
  • The interest rate and "Annual Percentage Yield" are accurate
  • Fees may reduce earnings on the account.
  • Annual Percentage Yield (APY):
    • **Certificates of Deposit and Individual Retirement Accounts - the APY assumes quarterly compounding with funds remaining on deposit for a full year. Interest is credited quarterly.
    • Interest Bearing Checking, Savings & Christmas Club Accounts - the interest is compounded and credited monthly.
  • **A penalty may be imposed for early withdrawal.
  • ***We will withdraw the balance of your account plus accrued interest and disburse back to the account owners by AFT into the designated FSB&T account at maturity.

Please see a Customer Service Representative for additional disclosure information.