Current Rates

Checking | Savings | Money Market | CD & IRA

Rates Effective 8/1/2013

Product Min. Balance to Earn Interest Interest Rate Annual Percentage Yield
Checking Accounts
Interest Checking
   $0.00 - $999 $1,000 0.00% 0.00%
   $1,000 - $4,999 0.08% 0.08%
   $5,000 - $9,999 0.08% 0.08%
   $10,000 - $24,999 0.08% 0.08%
   $25,000 - $49,999 0.10% 0.10%
   $50,000 - $99,999 0.13% 0.13%
   $100,000 - $499,999 0.23% 0.23%
   $500,000 + 0.23% 0.23%
Interest 50
   $0.00 - $999 $1,000 0.00% 0.00%
   $1,000 - $4,999 0.08% 0.08%
   $5,000 - $9,999 0.08% 0.08%
   $10,000 - $24,999 0.08% 0.08%
   $25,000 - $49,999 0.10% 0.10%
   $50,000 - $99,999 0.13% 0.13%
   $100,000 - $499,999 0.23% 0.23%
   $500,000 + 0.23% 0.23%
Shareholder
   $0.00 - $999 $1,000 0.00% 0.00%
   $1,000 - $4,999 0.13% 0.13%
   $5,000 - $9,999 0.13% 0.13%
   $10,000 - $24,999 0.13% 0.13%
   $25,000 - $49,999 0.18% 0.18%
   $50,000 - $99,999 0.23% 0.23%
   $100,000 - $499,999 0.35% 0.35%
   $500,000 + 0.40% 0.40%
Business Interest
   $0.00 - $999 $1,000 0.00% 0.00%
   $1,000 - $4,999 0.03% 0.03%
   $5,000 - $9,999 0.03% 0.03%
   $10,000 - $24,999 0.03% 0.03%
   $25,000 - $49,999 0.08% 0.08%
   $50,000 - $99,999 0.08% 0.08%
   $100,000 - $499,999 0.13% 0.13%
   $500,000 + 0.18% 0.18%
IOTA - Interest on Trust Account
   $0.00 - $999 $1,000 0.00% 0.00%
   $1,000 - $4,999 0.03% 0.03%
   $5,000 - $9,999 0.03% 0.03%
   $10,000 - $24,999 0.03% 0.03%
   $25,000 - $49,999 0.08% 0.08%
   $50,000 - $99,999 0.08% 0.08%
   $100,000 - $499,999 0.13% 0.13%
   $500,000 + 0.18% 0.18%

 

Product Min. Balance to Earn Interest Interest Rate Annual Percentage Yield
Savings Accounts
Personal Savings
   $0.00 - $299 $300 0.00% 0.00%
   $300.00 - $999 0.08% 0.08%
   $1,000 - $4,999 0.08% 0.08%
   $5,000 - $9,999 0.08% 0.08%
   $10,000 - $24,999 0.08% 0.08%
   $25,000 - $49,000 0.08% 0.08%
   $50,000 - $99,999 0.18% 0.18%
   $100,000 - $499,999 0.23% 0.23%
   $500,000 + 0.28% 0.28%
IRA Savings
   $0.00 - $999 $1,000 0.00% 0.00%
   $1,000 - $4,999 0.13% 0.13%
   $5,000 - $9,999 0.13% 0.13%
   $10,000 - $24,999 0.13% 0.13%
   $25,000 - $49,999 0.13% 0.13%
   $50,000 - $99,999 0.13% 0.13%
   $100,000 - $499,999 0.13% 0.13%
   $500,000 + 0.13% 0.13%
     
Young Savers
   $0.00 - $999 $1.00 0.08% 0.08%
   $1,000 - $4,999 0.08% 0.08%
   $5,000 - $9,999 0.08% 0.08%
   $10,000 - $24,999 0.08% 0.08%
   $25,000 - $49,000 0.08% 0.08%
   $50,000 - $99,999 0.18% 0.18%
   $100,000 - $499,999 0.23% 0.23%
   $500,000 + 0.28% 0.28%
Business Savings
   $0.00 - $999 $1,000 0.00% 0.00%
   $1,000 - $4,999 0.03% 0.03%
   $5,000 - $9,999 0.08% 0.08%
   $10,000 - $24,999 0.08% 0.08%
   $25,000 - $49,000 0.08% 0.08%
   $50,000 - $99,999 0.08% 0.08%
   $100,000 - $499,999 0.13% 0.13%
   $500,000 + 0.13% 0.13%

 

Product Min. Balance to Earn Interest Interest Rate Annual Percentage Yield
Money Market
Personal
   $0.00 - $2,499 $2,500 0.00% 0.00%
   $2,500 - $4,999 0.13% 0.13%
   $5,000 - $9,999 0.13% 0.13%
   $10,000 - $24,999 0.13% 0.13%
   $25,000 - $49,000 0.18% 0.18%
   $50,000 - $99,999 0.28% 0.28%
   $100,000 - $499,999 0.28% 0.28%
   $500,000 + 0.43% 0.43%
Business
   $0.00 - $2,499 $2,500 0.00% 0.00%
   $2,500 - $4,999 0.13% 0.13%
   $5,000 - $9,999 0.13% 0.13%
   $10,000 - $24,999 0.13% 0.13%
   $25,000 - $49,000 0.18% 0.18%
   $50,000 - $99,999 0.28% 0.28%
   $100,000 - $499,999 0.28% 0.28%
   $500,000 + 0.43% 0.43%

 

Product Min. Balance to Earn Interest Interest Rate Annual Percentage Yield
CD & IRA
7 Day1 $1,000    
   $1,000 - $99,999 0.15% 0.15%
   $100,000 - $499,999 0.15% 0.15%
   $500,000 +    0.15% 0.15%
3 Months1    
   $1,000 - $99,999 0.15% 0.15%
   $100,000 - $499,999 0.15% 0.15%
   $500,000 +    0.15% 0.15%
6 Months1    
   $1,000 - $99,999 0.25% 0.25%
   $100,000 - $499,999 0.25% 0.25%
   $500,000 +    0.25% 0.25%
12 Months2    
   $1,000 - $99,999 0.40% 0.40%
   $100,000 - $499,999 0.40% 0.40%
   $500,000 +    0.40% 0.40%
18 Months3    
   $1,000 - $99,999 0.50% 0.50%
   $100,000 - $499,999 0.50% 0.50%
   $500,000 +    0.50% 0.50%
24 Months3 $1,000    
   $1,000 - $99,999 0.60% 0.60%
   $100,000 - $499,999 0.60% 0.60%
   $500,000 +    0.60% 0.60%
36 Months3    
   $1,000 - $99,999 0.80% 0.80%
   $100,000 - $499,999 0.80% 0.80%
   $500,000 +    0.80% 0.80%
48 Months3    
   $1,000 - $99,999 0.900% 0.900%
   $100,000 - $499,999 0.900% 0.900%
   $500,000 +    0.900% 0.900%
60 Months3    
   $1,000 - $99,999 1.190% 1.200%
   $100,000 - $499,999 1.190% 1.200%
   $500,000 +    1.190% 1.200%

Penalty for Early CD Withdrawal
1 Loss of All Interest
2 Loss of 6 Months' Interest
3 Loss of 12 Months' Interest


 For additional terms and conditions that apply to your account (such as - fees, minimum opening balance requirements, how interest is calculated, and early withdrawal penalties on CDs), please see our deposit agreement and fee schedule for your account. IRA Savings and IRA CDs are only available to consumers.

The interest rates and Annual Percentage Yields (APYs) listed in this deposit rate sheet are effective on the date shown above. Checking and savings accounts are variable rate accounts. We may at our discretion change each interest rate and APY on variable rate accounts at any time without notice. IRA Savings are also variable rate accounts. CD accounts earn interest at a fixed rate. With a fixed rate account, the applicable rate is paid until the CD matures. Fees could reduce earnings on an account. A penalty is imposed for early withdrawal from a CD.

We may change the information in this deposit rate sheet at any time without notice. As examples, we may add, delete or change APYs, tiers and CD terms. Please review the deposit agreement and schedule of fees for additional provisions and conditions that apply to these accounts.

 

 

 

   Report a missing Debit Card : Call 1-800-236-2442

Contact Us      
Pinellas
Hillsborough
727-781-7500
813-855-7500