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Regular Checking Accounts

Type / Min to Open / Min to Earn Annual percentage YieldAnnual Percentage Yield (APY)Interest Rate
Totally Free Checking $50.00N/AN/A
50+ Checking $50.00/$25.00.01%*.01%
Direct Interest Checking $50.00/$25.00.01%*.01%
Balance $25.00-$1,499.99.01%*.01%
Balance $1,500.00 and above.03%*.03%
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
Fees may reduce earnings. The rate is variable and may change after the account is opened.
 

Regular Saving's Account

Type / Min to Open / Min to Earn
Annual Percentage Yield
Annul Percentage Yield (APY)Interest Rate
Passbook Savings $25.00/$25.00.05%*.05%
Statement Savings $25.00/$25.00.05%*.05%
Club Account $1.00/$1.00.05%**.05%
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
** You must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.
Fees may reduce earnings. The rate is variable and may change after the account is opened.
 

Regular Certificates of Deposit

Term and Minimum to OpenAnnual Percentage Yield (APY)Interest Rate
3 Months $5,000.00.10%***.10%
6 Months $5,000.00.20%***.20%
9 Months $5,000.00.25%***.25%
12 Months $1,000.00.30%****.30%
15 Months $1,000.00.41%****.40%
18 Months $1,000.00.51%****.50%
24 Months $1,000.00.61%****.60%
36 Months $1,000.00.71%****.70%
48 Months $1,000.00.96%****.95%
60 Months $1,000.001.22%****1.20%
CD Rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain restrictions may apply.
***You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.
****You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
 

Traditional IRAs and Roth IRAs

Term and Minimum to OpenAnnual Percentage Yield (APY)*Interest Rate
12 Month $500.00.38%.38%
15 Month $500.00.46%.45%
18 Month $500.00.56%.55%
24 Month $500.00.63%.63%
36 Month $500.00.76%.75%
48 Month $500.00.96%.95%
60 Month $500.001.27%1.25%
Variable IRA Savings**.51%.50%
IRA rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
**Rate is variable and may change after account opening.
 

Regular Money Market Account

Minimum BalanceAnnual Percentage Yield (APY)*Interest Rate
$25.00-2499.99.05%.05%
$2,500.00-24,999.99.10%.10%
$25,000.00-49,999.99.13%.13%
$50,000.00 & up.20%.20%
Fees could reduce earnings on these accounts. Variable rate may change after account is opened. Certain other restrictions may apply.
Minimum to open account $2,500
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
 

Gold Checking Accounts

Type/Min to Open/Min to Earn Annual Percentage YieldAnnual Percentage Yield (APY)*Interest Rate
Gold Checking $50.00 / $25.00.05%.05%
True Relationship Banking with the benefits you want. Maintain a relationship of just $5,000.00 in all of your deposit and loan accounts to qualify.
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
Fees may reduce earnings. The rate is variable and may change after the account is opened.
 

Gold Savings Account

Type/Min to Open/Min to Earn Annual Percentage YieldAnnual Percentage Yield (APY)Interest Rate
Passbook Savings $25.00/$25.00.10%*.10%
Statement Savings $25.00/$25.00.10%*.10%
Club Account $1.00/$1.00.10%**.10%
True Relationship Banking with the benefits you want. Maintain a relationship balance of just $5,000.00 in all of your deposit and loan accounts to qualify.
*You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
** You must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.
Fees may reduce earnings. The rate is variable and may change after the account is opened.
GOLD CHECKING ACCOUNT REQUIRED
 

Gold Certificates of Deposit

Term and Minimum to OpenAnnual Percentage Yield (APY)Interest Rate
3 Months $5,000.00.20%***.20%
6 Months $5,000.00.30%***.30%
9 Months $5,000.00.41%***.40%
12 Months $1,000.00.51%****.50%
15 Months $1,000.00.61%****.60%
18 Months $1,000.00.71%****.70%
24 Months $1,000.00.81%****.80%
36 Months $1,000.00.96%****.95%
48 Months $1,000.001.17%****1.15%
60 Months $1,000.001.32%****1.30%
True Relationship Banking with the benefits you want. Maintain a relationship balance of just $5,000.00 in all of your deposit and loan accounts to qualify.
CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.
*** You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.
**** You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
GOLD CHECKING ACCOUNT REQUIRED
 

Gold Traditional IRAs and Roth IRAs

Term and Minimum to OpenAnnual Percentage Yield (APY)*Interest Rate
12 Month $500.00.63%.63%
15 Month $500.00.71%.70%
18 Month $500.00.81%.80%
24 Month $500.00.89%.88%
36 Month $500.001.01%1.00%
48 Month $500.001.42%1.40%
60 Month $500.001.83%1.80%
Variable IRA Savings**.61%.60%
True Relationship Banking with the benefits you want. Maintain a relationship balance of just $5,000.00 in all of your deposit and loan accounts to qualify.
IRA rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
** Savings Rate is variable and may change after account opening.
GOLD CHECKING ACCOUNT REQUIRED
 

Gold Money Market Deposit Account

Minimum BalanceAnnual Percentage Yield (APY)*Interest Rate
$25.00-2499.99.15%.15%
$2,500.00-24,999.00.20%.20%
$25,000.00-49,999.00.30%.30%
$50,000.00 & up.41%.40%
True Relationship Banking with the benefits you want. Maintain a relationship balance of just $5,000.00 in all of your deposit and loan accounts to qualify.
Fees could reduce earnings on these accounts. Variable rate may change after account is opened. Certain other restrictions may apply.
Minimum to open account $2,500.00
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

GOLD CHECKING ACCOUNT REQUIRED
 

VIP Checking Accounts

Type/Min to Open/Min to Earn Annual Percentage YieldAnnual Percentage Yield (APY)*Interest Rate
VIP Checking $50.00/$25.00.15%.15%
All of the same benefits of our Retail Gold Account with higher CD rates. Maintain a relationship balance of just $750,000.00 in all of your deposit and loan accounts to qualify.
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
Fees may reduce earnings. The rate is variable and may change after the account is opened.
 

VIP Savings Account

Type/Min to Open/Min to Earn Annual Percentage YieldAnnual Percentage Yield (APY)Interest Rate
Passbook Savings $25.00/$25.00.20%*.20%
Statement Savings $25.00/$25.00.20%*.20%
Club Account $1.00/$1.00.20%**.20%
All of the same benefits of our Retail Gold Account with higher CD rates. Maintain a relationship balance of just $750,00.00 in all of your deposit and loan accounts to qualify.
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
** You must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.
Fees may reduce earnings. The rate is variable and may change after the account is opened.
VIP CHECKING ACCOUNT REQUIRED
 

VIP Certificates of Deposit

Term and Minimum to OpenAnnual Percentage Yield (APY)Interest Rate
3 Months $5,000.00.30%***.30%
6 Months $5,000.00.41%***.40%
9 Months $5,000.00.61%***.60%
12 Months $1,000.00.71%****.70%
15 Months $1,000.00.81%****.80%
18 Months $1,000.00.91%****.90%
24 Months $1,000.00.96%****.95%
36 Months $1,000.001.17%****1.15%
48 Months $1,000.001.27%****1.25%
60 Months $1,000.001.42%****1.40%
All of the same benefits of our Retail Gold Account with higher CD rates. Maintain a relationship balance of just $750,000.00 in all of your deposit and loan accounts to qualify.
CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.
*** You must maintain a minimum daily balance if $5,000.00 in the account each day to obtain the disclosed annual percentage yield.
**** You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
VIP CHECKING ACCOUNT REQUIRED
 

VIP Traditional IRAs and Roth IRAs

Term and Minimum to OpenAnnual Percentage Yield (APY)*Interest Rate
12 Month $500.00.89%.88%
15 Month $500.00.96%.95%
18 Month $500.001.06%1.05%
24 Month $500.001.14%1.13%
36 Month $500.001.27%1.25%
48 Month $500.001.67%1.65%
60 Month $500.001.98%1.95%
Variable IRA Savings**.81%.80%
All of the same benefits of our Retail Gold Account with higher CD rates. Maintain a relationship balance of just $750,000.00 in all your deposit and loan accounts to qualify.
IRA rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.
* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
** Rate is variable and may change after account opening.
VIP CHECKING ACCOUNT REQUIRED
 

VIP Money Market Deposit Account

Minimum BalanceAnnual Percentage Yield (APY)*Interest Rate
$25.00-$2,499.99.20%.20%
$2,500.00-24,999.99.30%.30%
$25,000.00-49,999.99.46%.45%
$50,000.00 & up.56%.55%
All of the same benefits of our Retail Gold MMDA Account with higher CD rates. Maintain a relationship balance of just $750,000.00 in all of your deposit and loan accounts to qualify.
Fees could reduce earnings on these accounts. Variable rate may change after account is opened. Certain other restrictions may apply.
Minimum to open account $2,500.00
* You must maintain a minimum daily balance on $25.00 in the account each day to obtain the disclosed annual percentage yield.
Fees may reduce earnings. The rate is variable and may change after the account is opened.
VIP CHECKING ACCOUNT REQUIRED