Savings

Savings Accounts

Anticipated Dividends
January 1 – March 31, 2017

 Min. BalanceAPY*Dividend Rate
Share Savings/2nd Savings$5.00/$0.00 
Up to $2,000 
0.10%
0.10%
$2,000+ 
0.15%
0.15%
IRA (Individual Retirement Account)
$0.00
0.35%
0.35%
CESA (Coverdell Ed. Savings Account)
$0.00
0.35%
0.35%
HSA (Health Savings Account)
$0.00
0.15%
0.15%
WINcentive® Savings
$5.00
0.10%
0.10%
  • Dividends compounded and paid quarterly. Balances earn the dividend rate within the disclosed tier where applicable.
  • Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day your deposits are posted to your account.
  • WINcentive Savings account is a restricted savings account type, early withdrawal penalties will apply. See WINcentive Member Participation Agreement for complete disclosures.

Checking Accounts (includes HSA and Benefits Plus®)

Anticipated Dividends
January 1 – January 31, 2017

 Minimum BalanceAPY*Dividend Rate
 
$0.00
0.10%
0.10%
  • Dividends compounded and paid monthly.
  • Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day if the balance is above the required minimum stated above. Dividends will begin to accrue on the business day your deposits are posted to your account.

Money Market Accounts (includes HSA)

Anticipated Dividends
January 1 – January 31, 2017

 Minimum BalanceAPY*Dividend Rate
 
Up to $1,999
0.10%
0.10%
 
$2,000 – $24,999
0.15%
0.15%
 
$25,000 – $49,999
0.25%
0.25%
 
$50,000 – $99,999
0.35%
0.35%
 
$100,000+
0.45%
0.45%
  • A minimum deposit of $500 is required to open a money market. Balances earn the dividend rate within the disclosed tier. Dividends will be compounded and paid monthly.
  • Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day your deposits are posted to your account.
  • Minimum withdrawal is $500 with three (3) free withdrawals per month without incurring a fee.

Certificate Accounts (includes IRA and CESA)

Anticipated Dividends
January 20 – January 26, 2017

TermBalanceAPY*Dividend Rate
3 Month   
 
$500 – $9,999
0.15%
0.15%
 
$10,000 – $24,999
0.25%
0.25%
 
$25,000+
0.35%
0.35%
6 Month   
 
$500 – $9,999
0.30%
0.30%
 
$10,000 – $24,999
0.40%
0.40%
 
$25,000+
0.50%
0.50%
12 – 23 Month   
 
$500 - $9,999
0.55%
0.55%
 
$10,000 - $24,999
0.65%
0.65%
 
$25,000+
0.75%
0.75%
24 – 35 Month (24 Month Step Up)  
 
$500 – $9,999
0.70%
0.70%
 
$10,000 – $24,999
0.80%
0.80%
 
$25,000+
0.90%
0.90%
36 – 47 Month   
 
$500 – $9,999
0.95%
0.95%
 
$10,000 – $24,999
1.05%
1.05%
 
$25,000+
1.15%
1.15%
48 – 59 Month   
 
$500 – $9,999
1.30%
1.29%
 
$10,000 – $24,999
1.40%
1.39%
 
$25,000+
1.50%
1.49%
60 Month   
 
$500 – $9,999
1.40%
1.39%
 
$10,000 – $24,999
1.50%
1.49%
 
$25,000+
1.60%
1.59%
  • A minimum balance of $500 is required to open a certificate and obtain the stated APY.
  • IRA and CESA Certificates are available in terms of 12 – 60 months and may be subject to IRS penalties. Consult your tax advisor for details.
  • An IRA is required to have an IRA Certificate and a CESA is required to have a CESA Certificate.
Certificate Builder 
6 Month 
0.35%
0.35%
12 Month 
0.60%
0.60%
  • A minimum balance of $25 is required to open a Certificate Builder and obtain the stated APY.
  • Certificate Builder requires a monthly deposit using automatic transfer or direct deposit.
  • Certificate Builder is not available in an IRA or CESA.
  • Early withdrawal penalties may apply and are calculated on the balance at the time of withdrawal.

† The APY is quoted for three- and six-month certificates in those categories and dividends are paid at maturity. Other certificate dividends are paid monthly to another account or compounded and credited quarterly. Certificate Builder, IRA and CESA Certificates are compounded and credited quarterly. Dividends will begin to accrue on the business day your deposit is posted to your account. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Early withdrawal penalties may apply. See Certificate Account disclosure for complete details.

* APY is the Annual Percentage Yield and assumes dividends remain in the account. This document is a supplement to account disclosures. Rates are subject to change without notice. Fees or other conditions may also reduce earnings. Refer to the Service Fee Schedule for current fee information. Contact us at 651.291.1515 or 800.899.5626 for further information about applicable fees and terms.

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