Rates

Rates effective as of January 1, 2016. The rates on accounts may be changed at any time at our discretion. Fees may reduce earnings.

APY = Annual Percentage Yield

APY is based on quarterly compounding.

Checking Accounts

ProductMinimum Deposit at Account OpeningMinimum Balance to Obtain APY*APY
A Real Community Club Checking**$50.00-0.05%
Business Checking with Interest**$50.00-0.05%
Premium Checking Account$1,000.00$1,000.00 — $2,499.990.05%
$2,500.00 and up0.20%
Freedom Account

For U.S. Veterans & Active Military

$50.00Up to $2,5000.20%
$2,500.00 and up0.50%

Savings Accounts

ProductMinimum Required DepositMinimum Balance to Obtain APY*APY
Statement Savings$50.00-0.10%
Cool Owl Kids Club Account$1.00-0.20%
Money Market Account$2,500.00$2,500.00 — $9,999.99 0.05%
$10,000.00 — $24,999.99 0.10%
$25,000.00 — $49,999.99 0.15%
$50,000.00 and up0.20%
Christmas Club

Automatic Withdrawal

$1.00-0.25%

Certificates of Deposit

Minimum of $1,000.00

TermInterest RateAPY
100 Days0.30%0.30%
6 Months0.20%0.20%
7 Months0.50% 0.50%
9 Months0.75%0.75%
12 Months0.40%0.40%
13 Months1.00%1.00%
18 Months1.10%1.10%
24 Months0.65% 0.65%
36 Months1.00% 1.00%
48 Months1.00% 1.00%
60 Months1.05% 1.05%

These certificates are automatically renewable.

Penalty for early withdrawals.