Rates
Rates effective as of February 3, 2012.
CACHEChecking1
| Balance | Rate | APY* |
|---|---|---|
| $0 to $15,000 | 2.47% | 2.50% |
| $15,000.01 and above | 0.50% | 0.50% |
| Qualifications not met | 0.05% | 0.05% |
CACHESaver2
| Balance | Rate | APY* |
|---|---|---|
| $0 to $15,000 | 1.24% | 1.25% |
| $15,000.01 and above | 0.50% | 0.50% |
| Qualifications not met | 0.05% | 0.05% |
Certificates of Deposit (CDs)
| Term | Minimum Balance to Open | Minimum Balance to earn APY* | APY* |
|---|---|---|---|
| 3 month | $500 | $500 | 0.20% |
| 6 month | $500 | $500 | 0.50% |
| 12 month | $500 | $500 | 0.65% |
| 18 month | $500 | $500 | 0.80% |
| 24 month | $500 | $500 | 1.00% |
| 30 month | $500 | $500 | 1.05% |
| 36 month | $500 | $500 | 1.20% |
| 48 month | $500 | $500 | 1.40% |
Checking and Savings
| Term | Minimum to Open | Minimum Balance to earn APY* | APY* |
|---|---|---|---|
| NOW Plus Checking | $25 | $10 | 0.05% |
| Personal Savings | $10 | $10 | 0.25% |
| Performance Account | $25 | $25 | 0.30% |
| $25,000 | 0.30% | ||
| $50,000 | 0.40% | ||
| $100,000 | 0.40% | ||
| Health Savings Account | $25 | $25 | 0.25% |
| $25,000 | 0.30% | ||
| $50,000 | 0.30% | ||
| $100,000 | 0.30% | ||
| Clear Choice Money Market | $10 | $10 | 0.25% |
| $25,000 | 0.35% | ||
| $100,000 | 0.50% |
Personal Loans
| ** APR | Maximum Amount | Maximum Term | Maximum L-T-V | Monthly Payment per $1,000 | |
|---|---|---|---|---|---|
| Home Equity Line of Credit3 | 3.25% | N/A | 20 yrs.4 | 80% | $2.71 |
| Home Equity Loan | 6.25% | N/A | 5 yrs. | 80% | $19.45 |
| 6.50% | N/A | 10 yrs. | 80% | $11.35 | |
| 7.00% | N/A | 15 yrs. | 80% | $8.99 | |
| Home Improvement Loan | 9.50% | $10,000 | 7 yrs. | N/A | $16.74 |
Auto Loans
| Loan | Term | ** APR | Down Payment | Monthly Payment per $1,000 |
|---|---|---|---|---|
| New Vehicle (2009 - 2011) | 60 mo. | 6.00% | 10% | $19.57 |
| with Checking and Autopayment | 60 mo. | 5.75% | 10% | $19.45 |
| Used Vehicle (2008 and older) | 48 mo. | 6.50% | 20% | $23.83 |
| with Checking and Autopayment | 48 mo. | 6.25% | 20% | $23.71 |
*APY = Annual Percentage Yield
** APR = Annual Percentage Rate
1. Minimum to open account is $25. Annual Percentage Yield (APY) accurate as of the date above. Rate tiers are as follows: 2.50% APY applies to balances up to $15,000 and 0.50% APY applies to balances over $15,000 if qualifications are met each monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 2.50% APY - 0.50% APY if monthly qualifications are met. Rates may change after the account is opened. The advertised CACHEChecking APY is based on compounding interest. If the interest earned in CACHEChecking is automatically transferred to CACHESaver each statement cycle the interest in CACHEChecking does not compound. The actual interest amount paid may be less than the advertised APY. The CACHESaver APYs may be less than the CACHEChecking APYs. Fees may reduce earnings.
Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions. ATM Fee reimbursements up to $25 provided only if qualifications are met within the monthly qualification cycle.
2. Annual Percentage Yield (APY) accurate as of the date above. Minimum to open account is $25 for CACHEChecking and $10 for CACHESaver. The advertised CACHEChecking APY is based on compounding interest. The interest earned in CACHEChecking is automatically transferred to CACHESaver each statement cycle and does not compound at the CACHEChecking rate. The actual interest paid may be less than the advertised APY. The CACHESaver APYs may be less than the CACHEChecking APYs. CACHESaver rate tiers are as follows: 1.25% APY applies to balances up to $15,000 and 0.50% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle on CACHEChecking. 0.05% APY applies to all balances if qualifications are not met on CACHEChecking. All CACHESaver balances will earn 1.25% APY – 0.50% APY if qualifications are met on CACHEChecking.
Qualifying transactions must post and clear CACHEChecking during monthly qualification cycle. Transactions may take one or more banking days from transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened. Fees may reduce earnings. ATM Fee refunds (CACHEChecking account only) up to $25 provided only if qualifications are met within monthly qualification cycle.
3. For lines of credit, the Annual Percentage Rate (APR) is variable and can change monthly, the maximum APR is 18% and there is a $20 annual fee. Property insurance is required for all home equity products.
4. Indicates a 10 year draw period during which the minimum payment is equal to the interest accrued.
Interest is compounded daily for Certificates, Regular Savings, Now Plus, Performance Account, Health Savings NOW, Clear Choice Money Market accounts. The Annual Percentage Yield (APY) is accurate as of the date shown above. Fees could reduce earnings on the account. Please refer to our Fee Schedule. Rates on Savings and Checking accounts may change after the account is opened. A penalty may be imposed for early withdrawal from Certificates of Deposit funds equaling 6 months interest on original maturities longer than 12 months, and 3 months interest on original maturities of 12 months or less.
Rates are subject to change at any time.
