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Current Deposit Rates

Rates Effective as of January 18, 2013

Checking and Savings Accounts
Account Type Minimum Balance** Interest Rate APY*
Royal 50 Checking No Minimum 0.05% 0.05%
Select Checking $3,500.00 - $9,999.99 0.05% 0.05%
Select Checking $10,000.00 and above 0.05% 0.05%
Statement Savings No Minimum 0.05% 0.05%
Dream Builders Savings $100.00 - $999.99 0.05% 0.05%
Dream Builders Savings $1,000.00 - $2,499.99 0.10% 0.10%
Dream Builders Savings $2,500 and above 0.15% 0.15%
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts



 

Investors Money Market Account
Minimum Balance** Interest Rate APY*
$0.00 - $4,999.99 0.05% 0.05%
$5,000.00 - $24,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.20% 0.20%
$50,000.00 and above 0.25% 0.25%
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield. You must deposit $5,000.00 to open this account.
Fees may affect earnings on the accounts



 

Select Business Checking
Minimum Balance** Interest Rate APY*
$3,500.00 - $9,999.99 0.05% 0.05%
$10,000.00 and above 0.05% 0.05%
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts


 

Business Interest Checking
Minimum Balance ** Interest Rate APY *
$10,000.00 - $24,999.99 0.05% 0.05%
$25,000.00 - $99,999.99 0.05% 0.05%
$100,000.00 and up 0.10% 0.10%
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts


 

Community Checking Plus Interest
Minimum Balance ** Interest Rate APY *
$1,000.00 0.05% 0.05%
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
Fees may affect earnings on the accounts



 

Business Money Market Savings Account
Minimum Balance ** Interest Rate APY *
$0.00 - $4,999.99 0.05% 0.05%
$5,000.00 - $24,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.20% 0.20%
$50,000.00 and above 0.25% 0.25%
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield. You must deposit $5,000.00 to open this account.
Fees may affect earnings on the accounts.



 

Certificates of Deposit - Fixed Rate
Certificate Type Minimum Balance ** Interest Rate APY *
3 Month $500.00 0.10% 0.10%
6 Month $500.00 0.10% 0.10%
1 Year $500.00 0.15% 0.15%
1 Year IRA $100.00 0.15% 0.15%
2 Year $500.00 0.25% 0.25%
2 Year IRA $100.00 0.25% 0.25%
3 Year $500.00 0.30% 0.30%
3 Year IRA $100.00 0.30% 0.30%
3 1/2 Year Step-Up *** $500.00 0.30% 0.30%
3 1/2 Year Step-Up IRA *** $100.00 0.30% 0.30%
4 Year $500.00 0.45% 0.45%
4 Year IRA $100.00 0.45% 0.45%
5 Year $500.00 0.60% 0.60%
5 Year IRA $100.00 0.60% 0.60%
Jumbo Certificates $100,000.00 Call Us for A Quote!  
*APY = Annual Percentage Yield
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
***At your discretion, you may change the interest rate on the account based on the number of "steps" indicated in the original agreement.
A penalty will be imposed for early withdrawal.

 

Certificates of Deposit - Variable Rate
Certificate Type Minimum Balance ** Interest Rate APY *
We do not offer any variable
rate CD's at this time.
     
*APY = Annual Percentage Yield
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
**Must maintain minimum balance to obtain the disclosed annual percentage yield.
A penalty will be imposed for early withdrawal.