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Interest Rates

Interest Rate and Annual Percentage Yield (APY) are current as of 07/31/2017.
Rates may vary and are subject to change without notice.

Personal Money Market, Personal eMoney Market, and Commercial Money Market Accounts

  Interest Rate Annual Percentage Yield (APY)
Up to $2,499.99 0.05% 0.05%
$2,500.00 and up 0.250% 0.25%
Premium Rate w/qualifying checking account - all balances 0.499% 0.50%

Minimum balance required to obtain APY: None. Minimum opening deposit: $100. The APY may vary after the account is opened. Fees could reduce earnings. See us for complete details about the premium rate.

Certificates of Deposit, Personal eCD and IRA

  Interest Rate Annual Percentage Yield (APY)
30 Days/1 Month 0.050% 0.05%
3 Months 0.150% 0.15%
6 Months 0.250% 0.25%
12 Months 0.400% 0.40%
13 Months *See additional terms and conditions below 0.9551% 1.00%
17 Months *See additional terms and conditions below 1.1929% 1.20%
18 Months 0.4988% 0.50%
24 Months 0.5982% 0.60%
36 Months *See additional terms and conditions below 1.5874% 1.60%
48 Months 0.896% 0.90%
60 Months *See additional terms and conditions below 1.784% 1.80%

Minimum opening deposit and balance to earn interest: $1,000. Early withdrawal penalties may apply. Ask us about other CD maturities and yields.

*Business and consumer deposits welcome for 13 Month Certificate of Deposit, 17 Month Certificate of Deposit, 3 Year/36 Month Certificate of Deposit and the 5 Year/60 Month Certificate of Deposit. Both CD terms require a $1000 minimum opening deposit and minimum balance to accrue the advertised Annual Percentage Yield (APY). APY assumes principle and interest remain on deposit for the full term of the certificate. Interest payments will be credited annually.  Penalty will be imposed for early withdrawal. Fees could reduce earnings. Interest Rate and APY are effective as of June 19, 2017 and may change at the Bank’s discretion. Deposits are FDIC insured to the maximum allowed by law. For deposits of $250,000 or more, please contact a State Bank branch. The promotional rates for the 3 Year/36 and 5 Year/60 month CDs are not valid for brokerage deposits, institutional investors, public funds, financial institutions, or in conjunction with other promotional offers. At maturity, the 13 month CD will renew as a 12 month CD and the 17 month CD will renew as an 18 month CD.

Interest Checking

  Interest Rate Annual Percentage Yield (APY)
50+ Free Interest Checking 0.05% 0.05%
Premium Select Checking - Up to $2,499.99 0.05% 0.05%
Premium Select Checking - $2,500.00 to $49,999.99 0.10% 0.10%
Premium Select Checking - $50,000.00 and up 0.15% 0.15%

Minimum balance required to obtain APY on Interest Checking Accounts: None.
Minimum opening deposit on all Interest Checking Accounts: $100. 
Fees could reduce earnings on Premium Select Checking Accounts.

Savings

  Interest Rate Annual Percentage Yield (APY)
Savings (Personal and Commercial) 0.25% 0.25%
Personal eSavings 0.25% 0.25%

Minimum balance required to obtain APY: $100. Minimum opening deposit: $100.The APY may vary after the account is opened. Fees could reduce earnings.

DISCLAIMER: Rates may vary and are subject to change without notice.