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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 08/25/2022.

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 0.05% 0.05%

Rates are subject to change without notice. Rates effective as of 08/25/2022. Requires Rewards Checking account. 

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 08/25/2022.

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 08/25/2022.

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

*APY = Annual Percentage Yield

Rates are subject to change without notice. Rates effective as of 08/25/2022.

Share Certificate/IRA Share Certificate Minimum opening deposit is $1,000
Term Rate APY*
6 months 2.23% 2.25%
12 months 2.96% 3.00%
24 months 2.96% 3.00%
36 months1 3.01% 3.05%
48 months1 3.01% 3.05%
60 months1 3.20% 3.25%

Rates are subject to change without notice. Rates effective as of 9/22/2022

 

 

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 08/25/2022.

Beyond Rewards Checking
Balance Range Rate APY*
Up to $10,000 2.23% 2.255
Above $10,000 0.25% 0.25%

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. 

Balance from $0.00 to $10,000 earns APY of 2.25%, above $10,000 earns APY of 0.25%.

Rates are subject to change without notice. Rates effective as of 01/01/2021

Rewards Checking
Balance Range Rate APY*
Up to $10,000 2.23% 2.25%
Above $10,000 0.25% 0.25%

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.

Balance from $0.00 to $10,000 earns APY of 2.25%, above $10,000 earns APY of 0.25%.

Rates are subject to change without notice. Rates effective as of 08/25/2022.

Classic Checking
Balance Range Rate APY*
Any Balance 0.15% 0.15%

Rates are subject to change without notice. Rates effective as of 08/25/2022.

Money Max
Balance Range Rate APY*
0 to $499.99 0.00% 0.00%
$500 to $2,499 0.25% 0.25%
$2,500 to $9,999 0.35% 0.35%
$10,000 to $49,999.99 0.64% 0.65%
$50,000 to $249,999.99 0.84% 0.85%
$250,000 and up  1.09% 1.10%

*APY=Annual Percentage Yield

Rates are subject to change without notice. Rates effective as of 08/25/2022

Free Checking
Balance Range Rate
None 0.00%