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Personal Checking Rates


Checking AccountsMinimum Balance/RangeDividend RateAnnual Percentage Yield (APY)
Basic Checking$0.00 - $4,999.990.00%0.00%
Portion of balance at $5,000.00 and above 0.05% 0.05%
Cha-Ching! - Available only as part of the SmartMoney Package+. See any branch for details. $0.00 - $999.990.00%0.00%
$1,000.00-$9,999.992.96% 3.00%+
portion of balance at
$10,000 and above
0.05% 0.05%
Savvy Senior - Available only as part of the SavvyMoney Package. See any branch for details.$0.00 - $499.990.00%0.00%
$500.00 - $24,999.990.30%0.30%
portion of balance at
$25,000 and above
0.05%0.05%

*Rates subject to change at any time and without prior notice.

+SmartMoney Package monthly requirements:

  1. $10,000 minimum average aggregate balance of any combination of loans and deposits.
  2. 10 plastic card purchases (Debit or Credit card, excludes ATM transactions)
  3. Minimum of one direct deposit, Bill Payer transaction, or automatic deduction (ACH withdrawal)
  4. Receive e-Statements
  5. Interest rate will drop to applicable current Basic Checking rate if above requirements are not met. Minimum monthly balance of $1,000 required to open and maintain this account.