Deposit Rates
Annual Percentage Rate* is accurate as of September 29, 2023
Specials
Product |
Interest Rate |
APY* |
Min to Open |
Min to Earn APY* |
| 12 Month CD/IRA | 4.96% | 5.05% | $2,000.00 | $0.01 |
Certificates of Deposit/IRA Rates
Product |
Interest Rate |
APY* |
Min to Open |
Min to Earn APY* |
| 6 Month | 0.50% | 0.50% | $2,000.00 | $0.01 |
| 1 Year | 1.00% | 1.00% | $2,000.00 | $0.01 |
| 18 Month | 1.10% | 1.10% | $2,000.00 | $0.01 |
| 2 Year | 1.19% | 1.20% | $2,000.00 | $0.01 |
| 3 Year | 1.29% | 1.30% | $2,000.00 | $0.01 |
| 4 Year | 1.39% | 1.40% | $2,000.00 | $0.01 |
| 5 Year | 1.49% | 1.50% | $2,000.00 | $0.01 |
| 2 Year Student Center | 1.19% | 1.20% | $100.00 | $0.01 |
Checking Account Rates
Product |
Interest Rate |
APY* |
Min to Open |
Min to Earn APY* |
| Premier Checking 1,2,3,4,5,6,10 | 0.05% | 0.05% | $0.01 | $0.01 |
| Premier Checking 1,2,3,4,5,6,10 | 3.93% | 4.00% | $0.01 | $0.01 |
| Right NOW Checking 1,2,3,4,9 | 0.000% | 0.000% | $0.01 | $0.01 |
| Right NOW Checking 1,2,3,4,9 | 0.05% | 0.05% | $0.01 | $1,000.00 |
| Right NOW Checking 1,2,3,4,9 | 0.08% | 0.08% | $0.01 | $15,000.00 |
| Right NOW Checking 1,2,3,4,9 | 0.14% | 0.14% | $0.01 | $35,000.00 |
Savings Account Rates
Product |
Interest Rate |
APY* |
Min to Open |
Min to Earn APY* |
| Sugar River Savings 1,7 | 0.10% | 0.10% | $0.01 | $0.01 |
| Sugar River Money Market 1,2,8 | 0.10% | 0.10% | $0.01 | $0.01 |
| Sugar River Money Market 1,2,8 | 0.10% | 0.10% | $0.01 | $5,000.00 |
| Sugar River Money Market 1,2,8 | 0.15% | 0.15% | $0.01 | $10,000.00 |
| Sugar River Money Market 1,2,8 | 0.40% | 0.40% | $0.01 | $25,000.00 |
| Sugar River Money Market 1,2,8 | 1.00% | 1.00% | $0.01 | $100,000.00 |
| Sugar River Money Market 1,2,8 | 3.93% | 4.00% | $0.01 | $250,000.00 |
| Legacy Money Market 1,2,8 | 0.15% | 0.15% | $0.01 | $0.01 |
| Legacy Money Market 1,2,8 | 0.50% | 0.50% | $0.01 | $25,000.00 |
| Legacy Money Market 1,2,8 | 0.75% | 0.75% | $0.01 | $50,000.00 |
| Legacy Money Market 1,2,8 | 1.00% | 1.00% | $0.01 | $100,000.00 |
| Legacy Money Market 1,2,8 | 3.93% | 4.00% | $0.01 | $250,000.00 |
For additional account disclosure information and related fees see a Personal Banker. Fees may reduce the earnings on the above accounts. A penalty may be imposed for early withdrawal from CD’s/IRA's. *APY achieved only if interest is compounded quarterly to the CD/IRA's.
1 The rate may change after the account is opened.
2 Interest on the tiered account is paid on the entire collected balance of your account at the rate shown for that tier.
3 Online Banking required.
4 Electronic statement required.
5 Have at least 16 Debit Card purchases post and clear during each statement cycle (not including ATM transactions). Have at least one Direct Deposit /ACH Credit post during each statement cycle. Log into Online Banking at least one time during each statement cycle.
6 There will be a 0.05% Interest Rate applied to all balances if statement cycle qualifications are not met, resulting in a 0.05% Annual Percentage Yield.
7 A monthly fee of $2.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the statement cycle.
8 Maintain a $1,000.00 minimum balance to avoid the $10.00 monthly fee.
9 If the above terms are not met, the account will be changed to a Basic Plus Checking Account, which has a monthly fee of $3.00 imposed every statement cycle if the balance in the account falls below $1000.00 any day of the statement cycle.
10 An Interest Rate of 0.05% will be applied to the portion of your account balance over $25,000.00, resulting in a 0.54% to 4.00% APY, depending on the balance.