Interest Rates

Interest Checking**

     
***These rates are effective May 30, 2019 and are subject to change without notice.
**See Terms and Conditions for full Qualification details.
* No minimum balance required to earn interest or maintain account.
* Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
* The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
*There is a substantial penalty for early withdrawal on CD’s.
*A withdrawal, interest rate change or imposition of fees will reduce earnings.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
* Interest will be compounded monthly and credited to the account on a monthly basis.
* The interest accrual method is 365/365 days.
* Fees may reduce earnings.
Interest Checking**Minimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
-If Qualification A is met:
Daily balance of $0.01 to $15,000$50.00NONE3.00%3.04%
Daily balance of more than $15,000$50.00NONE0.25%0.25%
-If Qualification B is met:
Daily balance of $0.01 to $15,000$50.00NONE3.50%3.56%
Daily balance of more than $15,000$50.00NONE0.25%0.25%
-If qualifications are not met:$50.00NONE0.10%0.10%

Learn more about the new accounts here.

 

Relationship Checking**

     
***These rates are effective May 30, 2019 and are subject to change without notice.
**See Terms and Conditions for full Qualification details.
* No minimum balance required to earn interest.
* Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
* The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
*There is a substantial penalty for early withdrawal on CD’s.
*A withdrawal, interest rate change or imposition of fees will reduce earnings.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
* Interest will be compounded monthly and credited to the account on a monthly basis.
* The interest accrual method is 365/365 days.
* Fees may reduce earnings.
Relationship Checking**Minimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
-If Qualification A is met:
Daily balance of $0.01 to $30,000$50.00NONE3.00%3.04%
Daily balance of more than $30,000$50.00NONE0.25%0.25%
-If Qualification B is met:
Daily balance of $0.01 to $30,000$50.00NONE3.50%3.56%
Daily balance of more than $30,000$50.00NONE0.40%0.40%
-If qualifications are not met:
Daily balance of less than $2,500$50.00NONE0.10%0.10%
Daily balance of $2,500 or greater$50.00$2,500.000.20%0.20%

Learn more about the new accounts here.

 

Relationship Money Market Account**

     
***These rates are effective May 30, 2019 and are subject to change without notice.
**See Terms and Conditions for full Qualification details.
* No minimum balance required to earn interest.
* Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
* The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
*There is a substantial penalty for early withdrawal on CD’s.
* A withdrawal, interest rate change or imposition of fees will reduce earnings.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
* Interest will be compounded monthly and credited to the account on a monthly basis.
* The interest accrual method is 365/365 days.
* Fees may reduce earnings.
Relationship Money Market Account**Minimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
- If qualifications are met
Daily balance of less than $50,000$50,000.00 NONE0.25%0.25%
Daily balance $50,000 to $149,999.99$50,000.00$50,000.001.79%1.80%
Daily balance $150,000 to $299,999.99$50,000.00$150,000.001.98%2.00%
Daily balance of $300,000 or more$50,000.00$300,000.002.09%2.11%
- If qualifications are not met:
Daily balance of less than $50,000$50,000.00NONE0.15%0.15%
Daily balance $50,000 to $149,999.99$50,000.00$50,000.000.50%0.50%
Daily balance $150,000 to $299,999.99$50,000.00$150,000.000.60%0.60%
Daily balance of $300,000 or more$50,000.00$300,00.000.70%0.70%

Learn more about the new accounts here.

 

Money Market Account

     
***These rates are effective May 30, 2019 and are subject to change without notice.
*Daily balance (the amount of principal in the account each day).
*There is a substantial penalty for early withdrawal on CD’s.
*A withdrawal, interest rate change or imposition of fees will reduce earnings.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
Money Market AccountMinimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
Daily balance of less than $2,500$2,500.00 NONE0.00%0.00%
Daily balance $2,500 to $9,999.99$2,500.00 $2,500.00 0.15%0.15%
Daily balance $10,000 to $19,999.99$2,500.00 $10,000.000.30%0.30%
Daily balance $20,000 to $49,999.99$2,500.00 $20,000.000.40%0.40%
Daily balance $50,000 to $99,999.99$2,500.00 $50,000.000.50%0.50%
Daily balance of $100,000 or more$2,500.00 $100,000.000.70%0.70%

 

Health Checking Account

     
***These rates are effective May 30, 2019 and are subject to change without notice.
*Daily balance (the amount of principal in the account each day).
*There is a substantial penalty for early withdrawal on CD’s.
*A withdrawal, interest rate change or imposition of fees will reduce earnings.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
Health Checking AccountMinimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
Daily balance of less than $5,000$100.00$100.000.05%0.05%
Daily balance of more than $5,000$100.00$100.000.15%0.15%

 

Savings Account and Christmas Club Account

     
***These rates are effective May 30, 2019 and are subject to change without notice.
* The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
* There is a substantial penalty for early withdrawal on CD’s.
* A withdrawal, interest rate change or imposition of fees will reduce earnings.
* Interest will be compounded daily and credited to the account on a quarterly basis, on March 31, June 30, September 30 and December 31.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
* The interest accrual method is 365/365 days.
* Fees may reduce earnings.
Account TypeMinimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
Savings Account$100.00$100.000.20%0.20%
Christmas ClubNONENONE0.20% 0.20% 

 

Certificates of Deposit and IRA’s

     
***These rates are effective May 30, 2019 and are subject to change without notice.
*Daily balance (the amount of principal in the account each day).
*There is a substantial penalty for early withdrawal on CD’s.
*A withdrawal, interest rate change or imposition of fees will reduce earnings.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
Certificates of DepositMinimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
3-month CD$2,500.00$2,500.000.60%
SHC - 0.85%
0.60%
SHC - 0.85%
6-month CD$2,500.00$2,500.001.79%
SHC - 2.03%
1.80%
SHC - 2.05%
1-year CD$500.00$500.001.89%
SHC - 2.13%
1.90%
SHC - 2.15%
1 ½-year CD$500.00$500.001.74%
SHC - 1.99%
1.75%
SHC - 2.00%
2-year CD$500.00$500.002.03%
SHC - 2.28%
2.05%
SHC - 2.30%
2 ½-year CD$500.00$500.001.79%
SHC - 2.03%
1.80%
SHC - 2.05%
4-year CD$500.00$500.001.99%
SHC - 2.23%
2.00%
SHC - 2.25%
5-year CD$500.00$500.002.43%
SHC - 2.67%
2.45%
SHC - 2.70%
18-month IRA CD$500.00$500.001.73%1.75%
48-month IRA CD$500.00$500.001.99%2.00%
60-month IRA CD$500.00$500.002.44%2.45%
18-month IRA Builder CD$50.00$50.000.25%0.25%

 

Now Account and Super Now Account

     
***These rates are effective May 30, 2019 and are subject to change without notice.
*Daily balance (the amount of principal in the account each day).
*There is a substantial penalty for early withdrawal on CD’s.
*A withdrawal, interest rate change or imposition of fees will reduce earnings.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
Account TypeMinimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
NOW Account$500.00$500.000.10%0.10%
Super NOW Account
Daily balance of less than $2,500$2,500.00 $2,500.000.15%0.15%
Daily balance of more than $2,500$2,500.00 $2,500.000.20%0.20% 

Homeowners Checking Account

     
***These rates are effective May 30, 2019 and are subject to change without notice.
*Daily balance (the amount of principal in the account each day).
*There is a substantial penalty for early withdrawal on CD’s.
*A withdrawal, interest rate change or imposition of fees will reduce earnings.
* The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.
Account TypeMinimum Deposit to Open AccountMinimum Balance* to Obtain the Annual Percentage YieldInterest RateAnnual Percentage Yield
Homeowners Checking Account$100.00$2,500.000.05%0.05%

 

***These rates are effective May 30, 2019 and are subject to change without notice.

**See Terms and Conditions for full Qualification details.
*  Daily balance (the amount of principal in the account each day).
*  There is a substantial penalty for early withdrawal on CD’s.
*  A withdrawal, interest rate change or imposition of fees will reduce the earnings.
*  The Annual Percentage Yield and Interest Rate disclosed are based on the bank’s disclosed compounding frequency for the appropriate term certificate.

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