Current Rates - as of January 1, 2014

APY = Annual Percentage Yield

Business Accounts

Type	Balance	Interest Rate	APY
Small Business Checking	$0.01+	0.05%	0.05%
Health Savings Accounts	$0.01-$4,999.99 $5,000.00+	0.25% 0.75%	0.25% 0.75%
Business Savings	$0.00-$4,999.99 $5,000.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00-$499,999.99 $500,000.00+	0.00% 0.05% 0.15% 0.30% 0.50%	0.00% 0.05% 0.15% 0.30% 0.50%

Small Business Checking $500.00 minimum deposit required to open account.

Small Business Merchant Services have additional fees. See website here or here for more details.

Health Savings Account $100.00 minimum deposit required to open account.

Business Savings $1,000.00 minimum deposit required to open account.

 

Certificates of Deposit

Term		Interest Rate	APY
6 month $500.00-$49,999.99 $50,000.00-$99,999.99 $100,000.00+		0.10% 0.10% 0.10%	0.10% 0.10% 0.10%
12 month $500.00-$49,999.99 $50,000.00-$99,999.99 $100,000.00+		0.30% 0.30% 0.30%	0.30% 0.30% 0.30%
18 month $500.00-$49,999.99 $50,000.00-$99,999.99 $100,000.00+		0.35% 0.35% 0.35%	0.35% 0.35% 0.35%
24 month $500.00+		0.45%	0.45%
36 month $500.00+		0.80%	0.80%
48 month $500.00+		1.05%	1.05%
Opt Up CDs If interest rates rise during the term of your CD you may choose to increase the interest rate ("opt up").
33 month $500.00+	1 opt up	0.65%	0.65%
60 month $500.00+	3 opt ups	0.90%	0.90%

 

 

All CDs $500.00 minimum deposit required to open account.

*Rates may change at any time

**Fees may reduce earnings

***Early withdrawal penaltiesapply when a CD is cashed prior to maturity date. For a CD with a termless than 18 months the early withdrawal penalty is six monthsof interest. For a CD with a term 18 months or more, the early withdrawalpenalty is twelve months on interest.