Personal Rates
Loyalty Rewards
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| $100 | $0-$10,000 | 1.74% | 1.75%** |
| $100 |
$10,000.01 - $20,000
|
1.83% | 1.85%** |
| $100 | $20,000.01 - $40,000 | 1.98% | 2.00%** |
| $100 | $40,000 and Over | .25% | .25%** |
Merit Club Checking
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| $100 | $0-$999.999 | None | None |
| $100 |
$1,000 - $4,999.99
|
0.05% | 0.05% |
| $100 | $5,000 - $24,999.99 | 0.05% | 0.05% |
| $100 | $25,000 and Over | 0.10% | 0.10% |
Statement Savings
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| $100 | None | 0.10% | 0.10% |
Youth Savings
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| $25 | None | 0.10% | 0.10% |
Community Savings
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| $1,000 | $0-$999.999 | 0.10% | 0.10% |
| $1,000 |
$1,000 - $24,999.99
|
0.10% | 0.10% |
| $1,000 | $25,000 - $49,999.99 | 0.10% | 0.10% |
| $1,000 | $50,000 and Over | 0.15% | 0.15% |
Health Savings
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| None | $0-$999.999 | 0.05% | 0.05% |
| None |
$1,000 - $4,999.99
|
0.05% | 0.05% |
| None | $5,000 - $14,999.99 | 0.10% | 0.10% |
| None | $15,000 and Over | 0.10% | 0.10% |
IRA Savings
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| None | None | 0.55% | 0.55% |
Certificates of Deposit
*Annual Percentage Yield (APY) is accurate as of 08-01-17 and may change daily. Fees could reduce earnings.
**Tier 1 APY with 10 POS transactions, Tier 2 APY with 15 POS transactions and a combined balance of $10,000 or more in a savings or a loan, Tier 3 APY with 20 POS transactions and a combined balance of $20,000 or more in a savings or a loan. Tier 4 APY qualify but over the threshold.
**Tier 1 APY with 10 POS transactions, Tier 2 APY with 15 POS transactions and a combined balance of $10,000 or more in a savings or a loan, Tier 3 APY with 20 POS transactions and a combined balance of $20,000 or more in a savings or a loan. Tier 4 APY qualify but over the threshold.
Business Rates
Choice Business Checking
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| $5,000 | None | 0.10% | 0.10% |
Regular Business Savings
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| $100 | None | 0.10% | 0.10% |
High Yield Business Savings
| Minimum | Tier | Deposit Rate | APY* |
|---|---|---|---|
| $1,000 | $0-$999.999 | 0.10% | 0.10% |
| $1,000 |
$1,000 - $24,999.99
|
0.10% | 0.10% |
| $1,000 | $25,000 - $44,999.99 | 0.10% | 0.10% |
| $1,000 | $50,000 and Over | 0.15% | 0.15% |
*Annual Percentage Yield (APY) is accurate as of 12-18-23 and may change daily. Fees could reduce earnings.
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