Savings Rates

Regular Share Savings

Balance Range	Rate	APY*
$0 - and up	0.25%	0.25%

Rates are subject to change without notice. Rates effective as of 04/02/2018.

Carter Rewards Savings - *Requirements Met

Balance Range	Rate	APY*
$0.00 to $25,000.00*	1.50%	1.51%
$25,001.00 or Greater*	0.15%	0.15%
Requirements Not Met	0.25%	0.25%

Rates are subject to change without notice. Rates effective as of 04/02/2018.

Young Savers (for ages up to 18 yrs) Converted to Basic Savings at 18

Balance Range	Rate	APY*
$0 - and up	0.50%	0.50% APY

Rates are subject to change without notice. Rates effective as of 04/02/2018.

Health Savings

Balance Range	Rate	APY*
$0 - $499.99	0.00%	0.00%
$500.00 and up	2.00%	2.02%

*APY = Annual Percentage Yield

Rates are subject to change without notice. Rates effective as of 04/02/2018.

IRA Savings

Balance Range	Rate	APY*
$0 - and up	0.50%	0.50%

*APY = Annual Percentage Yield

Rates are subject to change without notice. Rates effective as of 04/02/2018.

Share Certificate/IRA Share Certificate Minimum opening deposit is $1,000

Term	Rate	APY*
6 months	1.69%	1.70%
12 months	2.23%	2.25%
24 months	2.28%	2.30%
36 months1	2.33%	2.35%
48 months1	2.47%	2.50%
60 months1	2.52%	2.55%

Rates are subject to change without notice. Rates effective as of 11/1/2019.

¹ Maturities of 36 months and longer receive an additional 10 basis points for three (3) or more relationships. APY (Annual Percentage Yield) shows the effect of compounding. Share Certificate With Relationships. (Applies to members with three or more additional account relationships.) Penalties will or may be imposed for early withdrawals.

 

Carter Cash Back Checking

Account Type	Rate	APY*
No minimum balance required1	3.00%	3.00%

¹ Earns 3% cash back on debit card purchases up to $300 Qualifications of Direct Deposit or ACH, set up estatements and 11 debit card purchases posted and cleared to earn 3.00% APY

Rates are subject to change without notice. Rates effective as of 04/02/2018.

Rewards Checking

Balance Range	Rate	APY*
Up to $10,000	2.47%	2.50%
Above $10,000	0.51%	0.51%

To earn your rewards or cash back on your Rewards Checking or Carter Cash Back Checking simply complete the following activities and transactions for each monthly qualification cycle: Have at least 11 debit card purchases post and settle, Have at least 1 direct deposit or recurring ACH payment post and settle, and be enrolled and receive E-Statements. You can earn higher dividends on your savings account when you link your Rewards Checking to a Rewards Savings.

Rates are subject to change without notice. Rates effective as of 04/02/2018.

Classic Checking

Balance Range	Rate	APY*
Any Balance	0.15%	0.15%

Rates are subject to change without notice. Rates effective as of 04/02/2018.

Money Max

Balance Range	Rate	APY*
0 to $499.99	0.00%	0.00%
$500 to $2,499	0.30%	0.30%
$2,500 to $9,999	0.40%	0.40%
$10,000 to $49,999.99	0.60%	0.60%
$50,000 or greater	0.75%	0.75%

*APY=Annual Percentage Yield

Rates are subject to change without notice. Rates effective as of 04/02/2018.

Free Checking

Balance Range	Rate
None	0.00%