Personal Deposit Rates

Table data for Basic Checking
 Rates Effective 05-21-2018
Minimum to Open Interest Rate Annual Percentage Yield Minimum Balance to Avoid Service Fees Monthly Service Fee if Below Minimum Balance Alert Me
$50 N/A N/A N/A N/A
View our Truth-In-Savings disclosure for additional information.

Table data for eChecking
 Rates effective 05-21-2018
Minimum to Open Interest Rate Annual Percentage Yield Minimum Balance to Avoid Service Fees Monthly Service Fee if Below Minimum Balance Alert Me
$50 N/A N/A N/A N/A
You must enroll in eStatements within the first 30 days of account opening or conversion. If you do not enroll, or if you subsequently discontinue eStatements after commitment, the account will convert to Basic Checking and will be subject to all applicable fees and service charges. View our Truth-In-Savings disclosure for additional information.

Table data for Interest Checking (Tiered Rate)
 Rates Effective 05-21-2018
Deposit Amount Interest Rate Annual Percentage Yield1 Minimum Balance to Avoid Service Fees Monthly Service Fee if Below Minimum Balance2 Alert Me
$0 - $999.99 0.05% 0.05% $500 Avg/Month $7.00
$1,000 - $4,999.99 0.05% 0.05% $500 Avg/Month $7.00
$5,000 and higher 0.05% 0.05% $500 Avg/Month $7.00
View our Truth-In-Savings disclosure for additional information.
  • 1Annual Percentage Yield subject to change.
  • 2Fees could reduce earnings on the account.

Table data for Access Account
 Rates Effective 05-21-2018
Minimum to Open Interest Rate Annual Percentage Yield Minimum Balance Monthly Service Fee Alert Me
$50 N/A N/A N/A $71
View our Truth-In-Savings disclosure for additional information.
  • 1Waived if under 18 years of age.

Table data for HSA Checking (Tiered Rate)
 Rates Effective 05-21-2018
Deposit Amount Interest Rate Annual Percentage Yield1 Minimum Balance to Avoid Service Fees Monthly Service Fee if Below Minimum Balance Alert Me
$0 - $2,500 0.05% 0.05% N/A N/A
$2,500 - $9,999.99 0.05% 0.05% N/A N/A
$10,000 - $24,999.99 0.05% 0.05% N/A N/A
$25,000 and higher 0.10% 0.10% N/A N/A
View our Truth-In-Savings disclosure for additional information.
  • 1Annual Percentage Yield subject to change.

Table data for Regular Savings Rate
 Rates Effective 05-21-2018
Interest Rate Annual Percentage Yield1 Minimum Balance Minimum Balance to Earn Interest Alert Me
0.05% 0.05% $5 $5
Rate and Annual Percentage Yield also apply to Teachers Deposit Fund (TDF). View our Truth-In-Savings disclosure for additional information.
  • 1Annual Percentage Yield subject to change.

Table data for Market Rate Savings (Tiered Rate)
 Rates Effective 05-21-2018
Deposit Amount Interest Rate Annual Percentage Yield1 Minimum Balance Minimum Balance to Earn Interest Alert Me
$0-$2,499.99 0.05% 0.05% $0.01 $0
$2,500-$9,999.99 0.05% 0.05% $0.01 $0
$10,000-$24,999.99 0.05% 0.05% $0.01 $0
$25,000-$49,999.99 0.10% 0.10% $0.01 $0
$50,000-$99,999.99 0.10% 0.10% $0.01 $0
$100,000 and higher 0.15% 0.15% $0.01 $0
View our Truth-In-Savings disclosure for additional information.
  • 1Annual Percentage Yield subject to change.

Table data for IRA Savings
 Rates Effective 05-21-2018
Interest Rate Annual Percentage Yield1 Minimum Balance Minimum Balance to Earn Interest Alert Me
0.05% 0.05% $0.01 $0
View our Truth-In-Savings disclosure for additional information.
  • 1Annual Percentage Yield subject to change.

Table data for FlexSmart Money Market Account (Tiered Rate)
 Rates Effective 05-21-2018
Deposit Amount Interest Rate Annual Percentage Yield1 Minimum Balance Monthly Service Fee if Below Minimum Balance Alert Me
$0-4,999.99 0.0% 0.0% $1,000 $10
$5,000-$9,999.99 0.05% 0.05% $1,000 $10
$10,000-$24,999.99 0.10% 0.10% $1,000 $10
$25,000-$49,999.99 0.10% 0.10% $1,000 $10
$50,000-$99,999.99 0.15% 0.15% $1,000 $10
$100,000+ 0.20% 0.20% $1,000 $10
$10,000 minimum deposit to open. View our Truth-In-Savings disclosure for additional information.
  • 1Annual Percentage Yield subject to change.

Table data for Money Market IRA
 Rates Effective 05-21-2018
Deposit Amount Interest Rate Annual Percentage Yield1 Minimum Balance Monthly Service Fee if Below Minimum Balance Alert Me
$0-$9,999.99 0.05% 0.05% $0 $0
$10,000-$24,999.99 0.10% 0.10% $0 $0
$25,000-$49,999.99 0.10% 0.10% $0 $0
$50,000-$99,999.99 0.15% 0.15% $0 $0
$100,000-$249,999.99 0.20% 0.20% $0 $0
$250,000 and higher 0.25% 0.25% $0 $0
View our Truth-In-Savings disclosure for additional information.
  • 1Annual Percentage Yield subject to change.

Table data for Certificates of Deposit
 Rates Effective 05-21-2018
CD Term Amount Interest Rate Annual Percentage Yield1 Interest Rate with Bundle Rewards2 APY with Bundle Rewards2 Alert Me
3 months3 $1,000 - $49,000 0.50% 0.50% 0.75% 0.75%
3 months3 $50,000+ 0.75% 0.75% 1.00% 1.00%
6 months3 $1,000 - $49,000 0.60% 0.60% 0.85% 0.85%
6 months3 $50,000+ 0.85% 0.85% 1.10% 1.10%
12 months3 $1,000 - $49,000 0.75%4 0.75% 1.00% 1.00%
12 months3 $50,000+ 1.00%4 1.00% 1.25% 1.25%
18 months3 $1,000 - $49,000 0.90%4 0.90% 1.15% 1.15%
18 months3 $50,000+ 1.15%4 1.15% 1.40% 1.40%
24 months3 $1,000 - $49,000 1.00%4 1.00% 1.25% 1.25%
24 months3 $50,000+ 1.25%4 1.25% 1.49% 1.50%
36 months $1,000 - $49,000 1.20% 1.20% 1.44% 1.45%
36 months $50,000+ 1.44% 1.45% 1.69% 1.70%
48 months $1,000 - $49,000 1.35% 1.35% 1.59% 1.60%
48 months $50,000+ 1.59% 1.60% 1.84% 1.85%
View our Truth-In-Savings disclosure for additional information.
  • 1Annual Percentage Yield subject to change.
  • 2Additional products and services are required to qualify for the Bundle Rewards rate. Please see an OnPoint representative for more information or click here.
  • 3Subsequent deposits of $100 minimum each are allowed on Certificates of Deposit with terms of 3, 6, 12, 18, or 24 months. For minors 17 years of age or younger opening a 3, 6, 12, 18, or 24 month Certificate of Deposit, the minimum balance requirement is $100.00 and subsequent deposits ($100 minimum each) are allowed. All deposits exclude promotional offerings unless otherwise stated.
  • 4Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers.

Table data for Annual Withdrawal Certificates of Deposit
 Rates Effective 05-21-2018
CD Term Amount Interest Rate Annual Percentage Yield1 Interest Rate with Bundle Rewards2 APY with Bundle Rewards2 Minimum Balance to Open Alert Me
60 months $1,000 - $49,000 1.54% 1.55% 1.79% 1.80% $5,000
60 months $50,000+ 1.79% 1.80% 2.04% 2.05%
View our Truth-In-Savings disclosure for additional information.
  • 1Annual Percentage Yield subject to change.
  • 2Additional products and services are required to qualify for the Bundle Rewards rate. Please see an OnPoint representative for more information or click here.

Table data for Traditional & Roth IRA Certificates of Deposit
 Rates Effective 05-21-2018
CD Term1 Amount Interest Rate Annual Percentage Yield2 Interest Rate with Bundle Rewards3 APY with Bundle Rewards3 Alert Me
3 months $1,000 - $49,000 0.50% 0.50% 0.75% 0.75%
3 months $50,000+ 0.75% 0.75% 1.00% 1.00%
6 months $1,000 - $49,000 0.60% 0.60% 0.85% 0.85%
6 months $50,000+ 0.85% 0.85% 1.10% 1.10%
12 months4 $1,000 - $49,000 0.75% 0.75% 1.00% 1.00%
12 months4 $50,000+ 1.00% 1.00% 1.25% 1.25%
18 months4 $1,000 - $49,000 0.90% 0.90% 1.15% 1.15%
18 months4 $50,000+ 1.15% 1.15% 1.40% 1.40%
24 months4 $1,000 - $49,000 1.00% 1.00% 1.25% 1.25%
24 months4 $50,000+ 1.25% 1.25% 1.49% 1.50%
36 months $1,000 - $49,000 1.20% 1.20% 1.44% 1.45%
36 months $50,000+ 1.44% 1.45% 1.69% 1.70%
48 months $1,000 - $49,000 1.35% 1.35% 1.59% 1.60%
48 months $50,000+ 1.59% 1.60% 1.84% 1.85%
60 months $1,000 - $49,000 1.54% 1.55% 1.79% 1.80%
60 months $50,000+ 1.79% 1.80% 2.04% 2.05%
View our Truth-In-Savings disclosure for additional information.
  • 1Subsequent deposits can be made on Traditional and Roth IRA Certificates of Deposit.
  • 2Annual Percentage Yield subject to change.
  • 3Additional products and services are required to qualify for the Bundle Rewards rate. Please see an OnPoint representative for more information or click here.
  • 4Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers.