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Deposit Interest Rates

All rates, terms and tiers effective .

Personal Checking Accounts

01. Direct Free Interest Checking

Minimum deposit to open is $50.
Tier Rate% APY%
$0 and Up 0.20 0.20

02. 50+ Free Interest Checking

Minimum deposit to open is $50.
Tier Rate% APY%
$0 and Up 0.20 0.20

03. Ultimate Interest Checking

Minimum deposit to open is $50.
Tier Rate% APY%
$0 - $1,499.99 0.20 0.20
$1,500 - $24,999.99 0.50 0.50
$25,000 - $49,999.99 0.60 0.60
$50,000 - $99,999.99 0.75 0.75
$100,00 and Up 1.73 1.75

 

Personal Savings Accounts

01. Century Savings

Minimum deposit to open is $100 for adults, only $1 for minors.
Tier Rate% APY%
$0 and Up 0.50 0.50

02. Money Market

Minimum deposit to open is $100.
Tier Rate% APY%
$2,500 - $9,999.99 0.25 0.25
$10,000 - $24,999.99 0.45 0.45
$25,000 and Up 0.50 0.50

03. Health Savings Account

Minimum deposit to open is $100.
Tier Rate% APY%
$0 - $2,499.99 0.50 0.50
$2,500 - $9,999.99 1.24 1.25
$10,000 - $24,999.99 1.73 1.75
$25,000 and Up 2.22 2.25

 

Business Checking Accounts

01. Business Interest Checking

Minimum deposit to open is $100.
Tier Rate% APY%
$2,500 and Up 0.20 0.20

02. Business High Yield Checking

Minimum deposit to open is $25,000.
For individuals, sole proprietors and non-profit businesses.
Tier Rate% APY%
$25,000 - $49,999.99 0.60 0.60
$50,000 - $99,999.99 0.75 0.75
$100,000 and Up 1.73 1.75

 

Business Savings Accounts

01. Basic Business Savings

Minimum deposit to open is $100.
Tier Rate% APY%
$0 and Up 0.50 0.50

02. Money Market

Minimum deposit to open is $100.
Tier Rate% APY%
$2,500 - $9,999.99 0.25 0.25
$10,000 - $24,999.99 0.45 0.45
$25,000 and Up 0.50 0.50

03. Business Premium Money Market

Minimum deposit to open is $25,000.
For corporations, partnerships and other for-profit businesses.
Tier Rate% APY%
$25,000 - $49,999.99 0.60 0.60
$50,000 - $99,999.99 0.75 0.75
$100,000 and Up 1.24 1.25

04. Health Savings Account

Minimum deposit to open is $100.
Tier Rate% APY%
$0 - $2,499.99 0.50 0.50
$2,500 - $9,999.99 1.24 1.25
$10,000 - $24,999.99 1.73 1.75
$25,000 and Up 2.22 2.25

 

Sweep Account

01. Business Cash Sweep Account

For corporations, small businesses and nonprofit organizations.
Tier Rate% APY%
$0 - $49,999.99 0.93 0.93
$50,000 - $99,999.99 1.42 1.43
$100,000 - $499,999.99 1.92 1.94
$500,000 and Up 2.43 2.46

 

Certificates of Deposit (CD)
Individual Retirement Accounts (IRA)

01. 30-Day CD and IRA

30 days up to, but not including, 90 days.
Tier Rate% APY%
$500 - $9,999.99 0.95 0.95
$10,000 - $24,999.99 1.03 1.04
$25,000 - $49,999.99 1.08 1.09
$50,000 - $99,999.99 1.23 1.24
$100,000 and Up 1.53 1.54

02. 3-Month CD and IRA

90 days up to, but not including, 180 days.
Tier Rate% APY%
$500 - $9,999.99 1.03 1.04
$10,000 - $24,999.99 1.53 1.54
$25,000 - $49,999.99 1.58 1.59
$50,000 - $99,999.99 1.76 1.78
$100,000 and Up 1.86 1.88

03. 6-Month CD and IRA

180 days up to, but not including, 1 year.
Tier Rate% APY%
$500 - $9,999.99 1.92 1.94
$10,000 - $24,999.99 2.11 2.13
$25,000 - $49,999.99 2.21 2.24
$50,000 - $99,999.99 2.30 2.33
$100,000 and Up 2.45 2.48

04. 1-Year CD and IRA +

1 year up to, but not including, 2 years.
Tier Rate% APY%
$500 - $9,999.99 1.96 1.98
$10,000 - $24,999.99 2.25 2.28
$25,000 - $49,999.99 2.30 2.33
$50,000 - $99,999.99 2.35 2.38
$100,000 and Up 2.45 2.48

05. 2-Year CD and IRA +

2 years up to, but not including, 3 years.
Tier Rate% APY%
$500 - $9,999.99 2.15 2.17
$10,000 - $24,999.99 2.21 2.24
$25,000 - $49,999.99 2.25 2.28
$50,000 - $99,999.99 2.30 2.33
$100,000 and Up 2.35 2.38

06. 3-Year, 4-Year and 5-Year CD and IRA +
Term Rate% APY%
3-Year: $10,000 minimum 2.35 2.38
4-Year: $10,000 minimum 2.35 2.38
5-Year: $10,000 minimum 2.35 2.38

 

Special Products

01. Liquid CD

Minimum deposit to open is $10,000. No time requirements.
Tier Rate% APY%
$0 - $9,999.99 0.50 0.50
$10,000 - $24,999.99 0.60 0.60
$25,000 - $49,999.99 1.49 1.50
$50,000 - $99,999.99 1.77 1.79
$100,000 - $199,999.99 2.21 2.24
$200,000 and Up 2.31 2.34
Fine Print
Rates effective . Minimum $10,000 opening deposit. No term. Rates subject to change without notice. Interest calculated daily and paid monthly. Monthly statement. Unlimited deposits. Withdrawals permitted up to six per month or four week statement period. Additional withdrawals are $10 each.

02. 5.00% APY 7-Month Flexible CD +

Minimum deposit to open is $10,000. 7 month term.
Minimum Deposit to Open Rate% APY%
$10,000 4.88 5.00
Fine Print
5.00% Annual Percentage Yield (APY) is effective and is subject to change without notice. To earn APY, principal and interest must remain on deposit for entire term. Rate valid for 7-month term only. Minimum deposit to open a 7-Month Flexible CD is $10,000. Customer may add funds as often as desired, but each addition must be a minimum of $1,000. Rate increases are not automatic and can be requested only once during the 7-month term. Rate increase may be made only to the prevailing rate of our regularly available 6-month CD. You may not raise the rate on your Flexible CD to the higher rate of another Flexible CD, or any other promotional rate. Penalty for early withdrawal. Available for a limited time only.

 

Important

  • All rates, terms and tiers effective .
  • All rates, terms and tiers are subject to change without notice.
  • To earn Annual Percentage Yield (APY), principal and interest must remain on deposit for entire term.
  • To verify current rates, terms and tiers, please call (530) 899-7100.
  • + If a CD, interest must be paid to the certificate of deposit, to another account, or by check at least annually. If an IRA, interest must be paid to the IRA at least annually.
  • Fees may reduce earnings.
  • Penalty for early withdrawal.