• Simplified checking solution
• No monthly service charge
• No minimum balance requirements
• Unlimited monthly transactions
• Free digital banking
• Free Mastercard® debit card
• $200 minimum deposit to open

• Free checking that pays high interest
  • 3.00% APY* on balances up to $15,000
  • 3.00% to 0.61% APY on balances over $15,000 depending on balance in account*
  • 0.05% APY* if qualifications aren’t met
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
• No monthly maintenance fees
• No minimum balance to earn rewards
• Free digital banking
• Free Mastercard® debit card
• $50 minimum deposit to open

Earning your rewards couldn’t be easier.

To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Checking account during each Monthly Qualification Cycle:

• At least 1 ACH debit or credit transaction
• At least 12 debit card purchases
• Be enrolled in and agree to receive e-statements

See? We told you it was easy. Even if you don’t meet your qualifications during the cycle, your Rewards Checking account is still free. And you’ll still earn our base interest rate. Then you can get right back to earning your full rewards the very next month.

*APY = Annual Percentage Yield

• Simplified saving solution
• Competitive interest on entire balance
• Avoid the $5 quarterly service charge by maintaining a $25 minimum balance
• 6 free transfers or withdrawals per month; $1 fee for withdrawals in excess thereafter
• Free digital banking
• $25 minimum deposit to open

• Competitive, tiered rates
• Higher balances earn higher rates
• Enjoy flexibility with enhanced access to funds, including direct check writing:
  • Unlimited in-person withdrawals or by mail
  • 6 free transactions per month by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; $1 per transaction in excess thereafter
• Avoid $10 monthly service charge by maintaining a $2,500 minimum balance
• Free digital banking
• $2,500 minimum deposit to open

• Fixed rates, higher than regular savings
• Receive higher rates by selecting a longer term
• Provides more guarantee than other risky investments
• A wide range of terms available (from 12 months to 5 years)
• No setup or maintenance fees
• Early withdrawals subject to penalty
• $1,000 minimum deposit to open

• Competitive interest above standard savings rates
• $5,500 contribution limit per year
• Additional $1,000 “catch-up” contribution allowed for ages 50+
• No income limits to open
• No minimum contribution requirement
• Contributions are tax deductible on state and federal income tax¹
• Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
• Withdrawals can begin at age 59 ½
• Early withdrawals subject to penalty²
• Mandatory withdrawals at age 70 ½
• $1,000 minimum deposit to open